For Your Business

We advise small and medium sized businesses on key areas to enhance employee benefits, provide protection to cover key business risks and provide advice to business owners on tax efficient remuneration and benefit packages.

• Keyperson Insurance and Shareholder Protection – Heritage can advise on all areas of key person cover from how much cover to put in place to the features and benefits of differing products.  We can also advise on Shareholder / Partnership agreements where business owners want to protect their investments integrity should they become critically or die.
• Employee Benefits – Heritage can advise on Occupational Pension Schemes, Group Personal Pensions, Private Medical Insurance and Life Cover for employees.
• Small and medium sized business owners can often benefit from a review of how they structure their remuneration and benefits package, to ensure they are being as tax efficient as possible.  How to make the best use of Salary, Dividends and Pension contributions can be a minefield of information and we can help you navigate through the complexities of these different benefits.
• NEST (National Employee Savings Trust) – Heritage can help your company prepare for the implementation of NEST.  Starting now can help your company minimise the impact of this scheme on your bottom line.