Specialist business protection · UK SME directors
Protect the directors, not just the business.
Most company directors have signed personal guarantees they've never protected. We map your director-level risk and arrange the cover that fits — starting with the guarantees on your own finance.
66%
of business owners don't take out protection because they don't think they need it
Source: Opinium for Vitality, adviser research, February 2022
65%
cite a lack of knowledge as the main barrier
Source: Opinium for Vitality, adviser research, February 2022
Most
directors carry personal guarantees they've never protected
What we do
Five ways we protect what you've built
Each service targets a specific director-level risk. Most clients start with personal guarantee cover, then build out from there.
Personal Guarantee Insurance
Protect your home and savings from the guarantees you've signed on business finance.
Key Person Insurance
Cover the financial impact of losing a person the business can't easily replace.
Relevant Life Insurance
Tax-efficient life cover for directors and employees, paid for by the company.
Shareholder Protection
Keep control of the business if a shareholder dies or becomes critically ill.
Income Protection
Replace a director's income if illness or injury stops them working.
How we work
A consultative process, not a quote engine
We map your risk before we recommend anything — no pressure, no product-pushing.
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Discovery
We learn how your business is structured and where you're exposed.
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Risk map
We map director-level risks against your guarantees and dependencies.
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Recommendation
We compare the whole market and recommend the right cover.
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Ongoing review
We review annually as your business changes.
Why Venturo
Specialist advice, built around director risk
Specialist focus
Business protection is all we do — not a sideline to mortgages or pensions.
Consultative process
We map your exposure first, then recommend cover that actually fits.
Whole of market
We compare insurers across the market rather than pushing one provider.
Clear on how we're paid
You'll always understand how we're remunerated — no hidden incentives.
The difference
Generalist adviser, or specialist?
Generalist IFA
- Business protection is one line in a broad advice offer
- Generalist product knowledge across many areas
- Protection often bolted on after the fact
Venturo
- Business protection is all we do
- Specialist, whole-of-market advice
- We map director-level risk before recommending cover
Have you mapped your director-level risk yet?
Book a 30-minute review and we'll walk through exactly where you're exposed.