Private Client

Protection planning for founders, business owners and key individuals.

Trusted Union helps founders and business owners review insurance designed to support family, shareholders and business continuity, and help preserve enterprise value if a key person dies, becomes seriously ill or is unable to work.

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For founders and business owners, personal risk and business risk often overlap.

The same person may generate revenue, hold client relationships, lead strategy, secure financing, support family income and carry shareholder responsibilities. If that person dies, becomes seriously ill or cannot work, the impact may affect both the family and the business.

Trusted Union helps clients review key person and founder protection in a structured way, considering life, critical illness, disability, shareholder and business continuity needs.

Key Areas We Support

How we support you across the area.

Key Person Insurance

Cover designed to help a business manage financial disruption if a key individual dies or becomes seriously ill.

Founder Protection

Review of personal and business protection needs for founders whose family income and company value are closely linked.

Shareholder Protection

Insurance planning that may support buy-sell arrangements, shareholder liquidity or ownership continuity.

Business Loan Protection

Cover linked to loans, guarantees or financing arrangements where a key individual is central to repayment capacity or the financing arrangement.

Revenue & Continuity Risk

Review of how the absence of a key person could affect revenue, operations, client relationships and succession.

Personal Protection Integration

Alignment between business protection, family life cover, critical illness and income protection.

What Trusted Union Reviews

A structured review, item by item.

Where the information is available, a review typically looks across the following.

Who is essential to revenue, leadership or client relationships
Financial impact if that person dies or cannot work
Business loans, guarantees or investor obligations
Shareholder structure and buy-sell considerations
Family income dependency and personal liabilities
Existing life, critical illness and disability cover
Policy ownership, beneficiary and tax/accounting considerations with professional advisers
Whether cover should sit personally, corporately or within a shareholder structure

The Trusted Union Approach

Personal protection reviewed as a whole — health, life, income and the assets that matter.

Why It Matters

Why a structured review matters.

Founder risk is often underestimated because the business feels strong while the founder is active. But many owner-managed companies depend heavily on one or two people.

Proper planning can help preserve enterprise value, give the company liquidity, support the family and reduce pressure on shareholders during a difficult period.

Why Trusted Union

Advice held to a consistent standard.

Trusted Union helps founders and business owners review protection from both a personal and commercial perspective.

We coordinate the insurance discussion around practical risks: family income, business continuity, shareholder obligations, debt, liquidity and succession.

Client Reviews

For founders, and the businesses they build.

Trusted Union proved to be a knowledgeable partner on both small business and personal protection cover. Liam personally, is an engaging and patient advisor, he took the time to truly understand the needs of both my company and myself at a unique time as a founder of a small business. Thoroughly recommended.

Nicholas Anderson Trustpilot Review

We have been working with Trusted Union long time before we opened our boutique in Sheung Wan. They were crucial in giving us support and guidance in our journey. We are very satisfied with their professionalism, attention to details and very fast response whenever we have a question.

Renaud-Louis Chavanis Google Review

I’ve been working with Trusted Union for nearly eight years and have consistently received exceptional, professional advice across all of our insurance needs. Their team is knowledgeable, responsive, and genuinely committed to finding the right solutions. It’s rare to find a broker that combines expertise with such a high level of personal service, and Trusted Union has delivered that year after year. Highly recommended.

Tim Horton Google Review

I have used Trusted Union for several years for my business and family. Liam and his team are professional and easy to work with. They take the time to understand the needs of myself and my family and provide personalised recommendations and quotes based on my budget.

Faresh Jowharshah Google Review

Questions we’re often asked.

An adviser talking through private client questions

Is key person insurance paid to the company or the family?

It depends on the policy structure and purpose. Key person cover is often owned by the company, while personal life cover may be owned personally or through another structure.

How much key person cover is needed?

This may depend on revenue contribution, replacement cost, debt, profit impact, client concentration and the time needed to stabilise the business.

Is founder protection different from life insurance?

Founder protection can include life insurance, critical illness, disability and shareholder-related planning. It looks at both family and business impact.

Should legal and tax advisers be involved?

Often yes, especially for shareholder protection, policy ownership, buy-sell arrangements and corporate structures.