business protection evolved
We specialise in protecting the people-dependent risks that threaten business value, ownership, and continuity. Our work blends succession and estate planning with insurance expertise, to ensure your business - and your long-term intentions - stay on course no matter what lies ahead.
business protection evolved
We specialise in protecting the people-dependent risks that threaten business value, ownership, and continuity. Our work blends succession and estate planning with insurance expertise, to ensure your business - and your long-term intentions - stay on course no matter what lies ahead.
Because real business protection takes more than just an insurance policy.
Because real business protection takes more than just an insurance policy.
Because real business protection takes more than just an insurance policy.
Because real business protection takes more than just an insurance policy.
Because real business protection takes more than just an insurance policy.
Because real business protection takes more than just an insurance policy.
When There's No Backup Plan
Most Businesses Aren’t Ready
Most businesses never prepare for the sudden loss of a key person.No agreements. No funding. No backup. When it happens, ownership disputes arise, deals fall apart, and families are left in limbo.
When There's No Backup Plan
Most Businesses Aren’t Ready
Most businesses never prepare for the sudden loss of a key person.No agreements. No funding. No backup. When it happens, ownership disputes arise, deals fall apart, and families are left in limbo.
When There's No Backup Plan
Most Businesses Aren’t Ready
Most businesses never prepare for the sudden loss of a key person.No agreements. No funding. No backup. When it happens, ownership disputes arise, deals fall apart, and families are left in limbo.
Insurance Isn’t Enough
Real Planning Goes Further
ContinuityPoint isn’t just about policies. It’s about planning. We work alongside estate planning, tax and trust specialists to ensure everything aligns - ownership, trust structures, funding, and exit plans - to create.a future proof structure for protection.
Insurance Isn’t Enough
Real Planning Goes Further
ContinuityPoint isn’t just about policies. It’s about planning. We work alongside estate planning, tax and trust specialists to ensure everything aligns - ownership, trust structures, funding, and exit plans - to create.a future proof structure for protection.
Insurance Isn’t Enough
Real Planning Goes Further
ContinuityPoint isn’t just about policies. It’s about planning. We work alongside estate planning, tax and trust specialists to ensure everything aligns - ownership, trust structures, funding, and exit plans - to create.a future proof structure for protection.
No Protection. No Tomorrow.
Without Liquidity, Everything Unravels
The business might survive, but the value you worked for could vanish. Loans may go unpaid. Shareholder exits may collapse. Without clear protection, everything built over years can unravel in days.
No Protection. No Tomorrow.
Without Liquidity, Everything Unravels
The business might survive, but the value you worked for could vanish. Loans may go unpaid. Shareholder exits may collapse. Without clear protection, everything built over years can unravel in days.
No Protection. No Tomorrow.
Without Liquidity, Everything Unravels
The business might survive, but the value you worked for could vanish. Loans may go unpaid. Shareholder exits may collapse. Without clear protection, everything built over years can unravel in days.
Where It Falls Apart
No One Else Joins the Dots. We Do
Many business owners think they’re protected when they’re not. They’ve signed a shareholder agreement but never funded it.They’ve arranged life insurance but used a generic trust that isn't optimal. They’ve assumed their solicitor or accountant has it handled, but no one’s joined the dots.
Where It Falls Apart
No One Else Joins the Dots. We Do
Many business owners think they’re protected when they’re not. They’ve signed a shareholder agreement but never funded it.They’ve arranged life insurance but used a generic trust that isn't optimal. They’ve assumed their solicitor or accountant has it handled, but no one’s joined the dots.
Where It Falls Apart
No One Else Joins the Dots. We Do
Many business owners think they’re protected when they’re not. They’ve signed a shareholder agreement but never funded it.They’ve arranged life insurance but used a generic trust that isn't optimal. They’ve assumed their solicitor or accountant has it handled, but no one’s joined the dots.
We Help You De-risk
Fully Aligned. Fully Protected
ContinuityPoint helps business owners prepare for the risks no one wants to face. We identify vulnerabilities, design protection strategies and build legal and financial continuity, so the people and value you care about are protected.
We Help You De-risk
Fully Aligned. Fully Protected
ContinuityPoint helps business owners prepare for the risks no one wants to face. We identify vulnerabilities, design protection strategies and build legal and financial continuity, so the people and value you care about are protected.
We Help You De-risk
Fully Aligned. Fully Protected
ContinuityPoint helps business owners prepare for the risks no one wants to face. We identify vulnerabilities, design protection strategies and build legal and financial continuity, so the people and value you care about are protected.
Design Your Continuity
Turn Risk Into Resilience with a Robust Plan
You’ve worked too hard to leave the future of your business - or your family's future - to chance. We help you take control by designing protection that aligns ownership, funding, legal structure and succession planning into one joined-up strategy.
Design Your Continuity
Turn Risk Into Resilience with a Robust Plan
You’ve worked too hard to leave the future of your business - or your family's future - to chance. We help you take control by designing protection that aligns ownership, funding, legal structure and succession planning into one joined-up strategy.
Design Your Continuity
Turn Risk Into Resilience with a Robust Plan
You’ve worked too hard to leave the future of your business - or your family's future - to chance. We help you take control by designing protection that aligns ownership, funding, legal structure and succession planning into one joined-up strategy.
So When The Unexpected Happens, There’s No Uncertainty.
So When The Unexpected Happens, There’s No Uncertainty.
The business keeps running. Value is preserved. And the right people receive what was intended.
True continuity comes from having shareholder agreements, cross-option clauses, Wills, trusts, and insurances all designed around your specific needs, aligned to protect value, maintain control, and prevent financial disruption.
Unlike advisers who rely on standard insurer templates, we build integrated planning that connects ownership, funding, legal intent, and successioninto one coherent structure. We do this in close partnership with regulated legal professionals, ensuring every document is properly drafted and fully aligned.
Our role is to guide and coordinate the financial and planning elements making sure the right money reaches the right people at the right time, without delays, disputes, or tax surprises.
Because the business and lifestyle you’ve built should keep working, even when life doesn’t go to plan..
Where Continuity Fails
Some risks are visible. Others remain buried until they unwind everything. At ContinuityPoint, we expose the weaknesses that threaten ownership control and risk destroying value. Then we design the legal and financial architecture to mitigate them before disruption becomes a consequence.
Where Continuity Fails
Some risks are visible. Others remain buried until they unwind everything. At ContinuityPoint, we expose the weaknesses that threaten ownership control and risk destroying value. Then we design the legal and financial architecture to mitigate them before disruption becomes a consequence.
Where Continuity Fails
Some risks are visible. Others remain buried until they unwind everything. At ContinuityPoint, we expose the weaknesses that threaten ownership control and risk destroying value. Then we design the legal and financial architecture to mitigate them before disruption becomes a consequence.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Case Studies
Case Studies
We Turn People Risk Into Business Continuity
Our case studies showcase how we help business owners protect value, ownership, and control by addressing people risk with joined-up planning.
Case Studies
We Turn People Risk Into Business Continuity
Our case studies showcase how we help business owners protect value, ownership, and control by addressing people risk with joined-up planning.
Key Person Dependency
When Losing a Leader Nearly Cost the Business Its Future
An established engineering firm with a strong client base faced the sudden loss of its Technical Director, a founding partner whose specialist knowledge underpinned over 60% of the company’s project work.
Key Person Dependency
When Losing a Leader Nearly Cost the Business Its Future
An established engineering firm with a strong client base faced the sudden loss of its Technical Director, a founding partner whose specialist knowledge underpinned over 60% of the company’s project work.
Key Person Dependency
When Losing a Leader Nearly Cost the Business Its Future
An established engineering firm with a strong client base faced the sudden loss of its Technical Director, a founding partner whose specialist knowledge underpinned over 60% of the company’s project work.
Shareholder Exit Risk
A Sudden Loss. An Ownership Crisis Averted
Three friends-turned-business-partners built a successful agency over eight years. Each held a third of the shares, and all were actively involved in running the business. But when one of the shareholders died suddenly in a cycling accident, the remaining partners were unprepared for what happened next.
Shareholder Exit Risk
A Sudden Loss. An Ownership Crisis Averted
Three friends-turned-business-partners built a successful agency over eight years. Each held a third of the shares, and all were actively involved in running the business. But when one of the shareholders died suddenly in a cycling accident, the remaining partners were unprepared for what happened next.
Shareholder Exit Risk
A Sudden Loss. An Ownership Crisis Averted
Three friends-turned-business-partners built a successful agency over eight years. Each held a third of the shares, and all were actively involved in running the business. But when one of the shareholders died suddenly in a cycling accident, the remaining partners were unprepared for what happened next.
Deferred Consideration Exposure
Covering the Risky Gap Between Signature and Settlement
A successful founder agreed to sell his business to the existing management team via a staged Management Buyout. The £6.8 million sale was structured with £2.4 million paid on completion and the remaining £4.4 million deferred over three years, contingent on continued business performance. The founder stepped back from the day-to-day running of the company, and the transition appeared smooth.
Deferred Consideration Exposure
Covering the Risky Gap Between Signature and Settlement
A successful founder agreed to sell his business to the existing management team via a staged Management Buyout. The £6.8 million sale was structured with £2.4 million paid on completion and the remaining £4.4 million deferred over three years, contingent on continued business performance. The founder stepped back from the day-to-day running of the company, and the transition appeared smooth.
Deferred Consideration Exposure
Covering the Risky Gap Between Signature and Settlement
A successful founder agreed to sell his business to the existing management team via a staged Management Buyout. The £6.8 million sale was structured with £2.4 million paid on completion and the remaining £4.4 million deferred over three years, contingent on continued business performance. The founder stepped back from the day-to-day running of the company, and the transition appeared smooth.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
No Commission
This removes any conflict of interest and ensures our recommendations are based solely on your needs. It’s a more transparent way to work, and often a more cost-effective one. In many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for, and you’ll never be left wondering whose side we’re on.
No Commission
This removes any conflict of interest and ensures our recommendations are based solely on your needs. It’s a more transparent way to work, and often a more cost-effective one. In many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for, and you’ll never be left wondering whose side we’re on.
No Commission
This removes any conflict of interest and ensures our recommendations are based solely on your needs. It’s a more transparent way to work, and often a more cost-effective one. In many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for, and you’ll never be left wondering whose side we’re on.
Integrated Planning
We don't do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers offer policies with generic templates and caveats, we provide a joined-up service. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned.
Integrated Planning
We don't do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers offer policies with generic templates and caveats, we provide a joined-up service. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned.
Integrated Planning
We don't do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers offer policies with generic templates and caveats, we provide a joined-up service. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned.
Streamlined Service
We use internal underwriting at the outset of every case to assess your risks before the insurer does. That means fewer surprises, faster outcomes, and greater control. We spot issues early, gather what’s needed, and package your case with precision. That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Streamlined Service
We use internal underwriting at the outset of every case to assess your risks before the insurer does. That means fewer surprises, faster outcomes, and greater control. We spot issues early, gather what’s needed, and package your case with precision. That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Streamlined Service
We use internal underwriting at the outset of every case to assess your risks before the insurer does. That means fewer surprises, faster outcomes, and greater control. We spot issues early, gather what’s needed, and package your case with precision. That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Trusted Experience
Our Founder brings over 40 years of expertise in protection insurance. Our deep knowledge and experience spans every part of the process, from product design to claims advocacy. You won’t deal with inexperienced advisers or call centres here. Just seasoned professionals who know the industry inside out and understand what’s at stake for your business.
Trusted Experience
Our Founder brings over 40 years of expertise in protection insurance. Our deep knowledge and experience spans every part of the process, from product design to claims advocacy. You won’t deal with inexperienced advisers or call centres here. Just seasoned professionals who know the industry inside out and understand what’s at stake for your business.
Trusted Experience
Our Founder brings over 40 years of expertise in protection insurance. Our deep knowledge and experience spans every part of the process, from product design to claims advocacy. You won’t deal with inexperienced advisers or call centres here. Just seasoned professionals who know the industry inside out and understand what’s at stake for your business.
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
INSIGHTS
Blog
In our News section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
INSIGHTS
Blog
In our News section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
INSIGHTS
Blog
In our News section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.