Commercial Insurance
DM Financial Services offers a wide range of insurance for commercial products such as commercial building & contents insurance, Office cover, Property, Public and Trade Liability, Commercial Vehicle, and protection policies.
Office cover - In addition to building, contents, and tenant insurance, a person with commercial property can also choose this insurance. DM Financial Services can offer you bespoke policies that are specially designed according to your business and individual needs.
Professional or Trade Liability – This includes public and employers Liability for professional and manual trades. This can be customized according to individual needs. The best thing is - these are flexible, and any changes in the near future, such as changes in staff numbers or business levels, can be done easily.
Should a business lose its key person because of critical illness or disability, this Key Person Protection covers the business against this type of loss of a key senior member of staff. DM Financial understand that it is very hard to run a business without its key member. Their absence can directly affect sales, and at worst, it can be a reason behind unpleasant contract delays. One may have to face the loss of time and money that one would otherwise have to spend in recruiting a replacement and then in their training. With this product of DM Financial Services, we cannot get you the key person back, but we can provide cash at that critical time to replace lost profits and cash flow.
Key Person Loan Protection – In the absence of the key member, what would happen to the loans that the business has taken is another big question that most businesses always worry about. The ability to service that loan could be jeopardized by the loss of one of the key members. The loan may be personally guaranteed, or a director may have lent money to the company that he, or his estate, would need to be repaid ahead of plan. Key person Loan Protection can provide this cover against death or critical illness.
Shareholder Protection – Like key members, shareholders are also an important part of any business. Should a shareholder die, this cover enables other shareholders to cover that person's shares within the business. This also facilitates a business to continue with the least interruption and provides an exit solution to that shareholder, or their dependents.
Call us now on 0800 298 0678 for any immediate enquiries.