You've insured the laptops. Have you insured each other?
The Director's Business Protection Health Check is a ten-minute exercise for limited company directors. Twelve questions, plain English, and by the end you'll know where your business may be exposed if a shareholder, director, or key person died or became too ill to work.
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One PDF and the occasional useful email. No cold calls, no passing your details on.
The Director's Business Protection Health Check
A ten-minute self-assessment for limited company directors.
Kieran Ali · CiK Finance · July 2026
Twelve questions that show you where you stand
- Twelve quick questions covering the four places director risk actually sits: your shares, your key people, your borrowing, and your own cover. Each takes a yes, a no, or an honest not sure.
- Plain-English explanations of shareholder protection, key person cover, relevant life, and business loan protection. What each one is, what it's for, and the questions each raises.
- A simple score at the end that turns your answers into one of three bands, each with a plain reading of what it means and what to do next.
- The questions worth taking to your accountant and your co-directors before you speak to any adviser.
Built for the people holding the company together
Directors paid salary and dividends
Limited company directors whose household would feel it quickly if the business stopped paying either.
Owners with co-shareholders
Business owners who have never written down what happens to the shares if one of them dies or becomes too ill to carry on.
Businesses that lean on someone
Anyone whose business carries debt or leans heavily on one or two people; a director, a fee-earner, or the one person who knows where everything is.
Business protection, from someone who already reads your accounts
I'm Kieran Ali, founder of CiK Finance, a specialist mortgage and protection firm in Daventry. Most of my clients are company directors and business owners; people whose income is salary plus dividends, retained profit, sometimes three entities deep. Business protection is the same conversation from a different angle. Not "can you borrow?", but "what happens to all of this if one of you can't work?".
There's no fee for protection or business protection advice. If a policy is arranged, we're paid commission by the insurer, and I'll tell you how much. Our mortgage advice carries a separate fee of £250 to £1,500, disclosed before any advice is given.
CiK Finance is a trading name of CiK Financial Ltd, an Appointed Representative of PRIMIS Mortgage Network. The full regulatory wording is at the foot of this page.
Questions people ask first
Is this really a ten-minute exercise?
Yes. Twelve questions, each answered yes, no, or not sure. The value isn't in the reading time; it's in the two or three questions you can't answer. Those become your action list.
What happens after I download it?
The PDF arrives by email within a few minutes. Over the following two weeks you'll get a few short emails going deeper on the areas the Health Check covers, then the occasional useful one after that. Unsubscribe whenever you like.
Will you call me?
No. Downloading a PDF isn't an invitation to be chased, and we don't treat it as one. If you want to talk anything through, you can book a call. That option is there whenever you're ready, and it's completely your call.
Is my information safe?
Yes. Your details are stored securely, used only for what you've agreed to, and never sold or passed to anyone else for marketing. Every email has an unsubscribe link, and you can ask us to delete your data at any time. The detail is in our privacy policy.
Find the gaps while they're still cheap to close
Ten minutes now. The questions you can't answer become your action list.
The Director's Business Protection Health Check is a general guide, not personal advice or a recommendation. Cover is subject to terms, conditions, and underwriting. Premiums may vary depending on individual circumstances.
CiK Finance does not give tax advice. How any policy sits with your company's tax position, including relevant life plans and how you take salary and dividends, is one for your accountant. Where legal drafting is needed, such as a cross-option agreement, we refer that work to specialists.
Your home may be repossessed if you do not keep up repayments on your mortgage.
CiK Finance is a trading name of CiK Financial Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
CiK Financial Ltd is registered in England and Wales, company number 12348831. Registered office: Icon Innovation Centre, Eastern Way, Daventry, Northamptonshire, NN11 0QB.
Information on this page was correct at the time of publication (July 2026) but may be subject to change.