About Us

Quotes123.co.uk is owned by Leadergy Limited an independent and impartial life-assurance, business protection, health insurance and funeral plans introducer for several whole of market brokers, designed to assist its users in finding the best possible cover estimate for their particular set of conditions. Our brokers browse through hundreds of insurance providers in order to secure the best deals available. We assure you that these providers offer a superb range of products on significant cost and other benefits to customers.

Our service is free of charge and very user-friendly, and you are under no obligation to accept the quotations we provide.

Please be aware that Quotes123.co.uk is not a direct insurance company and itself does not provide insurance. Quotes123.co.uk only provides a matching service, helping people to compare policies from all the major insurance companies in the UK


How it works

After receiving your enquiry, it will be handled by one of the expert brokers, who will have a wide range of insurance options for you. Once our FCA regulated brokers have received your enquiry, they will contact you to give you a free quote on the same day (48 hrs at weekends.

You do not have any obligations and have every right to refuse this free quote. Our main aim is to make it easy for you to compare and find the right cover for you, your family or your business


Why Us

Why Business Protection Insurance?

Business protection helps to protect a business should a director, partner, member or key employee suffer a critical illness or die.
It helps to make things right when things go wrong. We are experts at protecting businesses and we are here to help at every step of the way. Get your Free quote now!

Cover Your Force

The most valuable asset to any business is its people, without them, a company’s survival can be at serious risk. Protecting people should be an integral part of any business plan. Business owners already protect many of the important things that keep the business running smoothly, like property, fleets and stock. So they should also insure their most valuable assets: their staff and shareholders.


Types Of Business Protection Insurance

Relevant Life Cover

Relevant life cover is a death in service life insurance policy. It’s a policy taken out by the company on the life of the employee for the employee and their family. The company pays the premiums but the insurance pay-out goes to beneficiaries specified by the employee. This life insurance is the perfect option for high earning individuals as it doesn’t count towards your personal pension allowance and for small businesses it provides life insurance cover for an employee.

Who Is It For

Relevant life cover is a tax efficient form of life insurance. It’s perfect for company directors who want a life insurance as it will allow them to make savings on their tax. It’s also a good option for small businesses with less than five employees as most group policies are only for larger businesses however relevant life is done on an individual basis.

Benefits of Relevant life

There are many different benefits associated with relevant life. It is a policy to provide your family or loved ones with a lump sum should anything happen to you, leaving them financially protected. It is also tax efficient and doesn’t count as part of a personal pension allowance. Another benefit is that it means small businesses can provide life insurance benefits their staff improving both staff moral and staff retention.


Key Man Insurance

Key man insurance is the businesses contingency plan. The policy is in place to protect the business against the loss of income generated by key staff members. The business takes out a life insurance policy on one or more staff members who generate large profits for the company. Then should these key persons fall prey to critical illness or die the business will be paid out a lump sum to cover any loss in income or to cover any expenses which occur. occurred.

Why You Need Key Man Insurance

Key man insurance provides emergency funding when the company needs it most. If your businesses income is generated by your staff this protection is vital. The lump sum provided should your key man become incapacitated can pay for any profit loss caused, any compensation which has to be paid out or funding to cover the replacement and training of staff.

Who Is It For

The policy is simply a life insurance policy on a staff member, however it’s taken out by the business for the business therefore all premiums must be paid by the business. The lump sum payment should something happen to the insured party goes straight to the business. It is there to provide support for the business for any losses or costs it occurs after losing an irreplaceable staff member.


Shareholder Protection

Shareholder protection is a form of business protection insurance, it is in place to protect all shareholders should one fall critically ill or die. It provides the funding needed for the remaining shareholders to buy the shares of the deceased and divide them between the remaining holders. Shareholder protection is there to protect your investment. If a shareholder dies the company may become vulnerable to a reckless party buying the shares. All the time and money previously invested would be wasted. Shareholder protection allows the remaining shareholders to make sure the company is secure from competitors.

Who Needs It?

Any shared business should have shareholder protection. It is an important asset to make sure that the company is secure and that the investment for all parties is protected. It also has the added benefit of making sure that your family will be financial stable should anything happen to you.

Benefits of Shareholder Protection

There a range of benefits shareholder protection provides. It provides an instant lump sum to the remaining shareholders to ensure that the business can continue to run with a minimum amount of disruption. It protects company shares from be sold to a reckless party or competitor. It also ensures that your investment is safe and will guarantee your family a financial sum.


Partnership Protection

Partnership protection is business protection insurance, it is in place to protect both partners should one fall critically ill or die. It provides the funding needed for the remaining partner to buy the shares of the deceased and take full responsibility of the company. Partnership protection is there to protect your investment. If your partner dies the partnership is dissolved and the company could become unable to trade. All the time and money previously invested would be wasted. Partnership protection allows you to buy the remaining shares and make sure that your company is secure from competitors.

Who Needs It?

Any co-owned business should have partnership protection. It is an important asset to make sure that the company is secure and that the investment for both parties is protected. It also has the added benefit of making sure that your family will be financial stable should anything happen to you.

Benefits of Partnership Protection

There a range of benefits which partnership protection provides. It provides an instant lump sum to the remaining owner which ensures that the business can continue to run with a minimum amount of disruption. This means that you can be sure your company shares aren’t going to be sold to a reckless party. It also ensures that your investment is safe and will guarantee your family a financial sum.

Copyright 2017, Quotes123.co.uk