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Cromwell Associates

Continuity for the enterprise you built

The business should survive the individual

Most owner-managed businesses depend on a small number of people. If one of them dies or becomes seriously ill, three things tend to happen at once: revenue falls, lenders take an interest, and the ownership of shares becomes an urgent question at the worst possible moment.

Business protection is intended to put money where it is needed — in the company, or in the hands of the remaining owners — so those decisions can be made calmly.

We help owners identify which of these exposures actually apply to them, and connect them with specialists who can advise on the arrangement and the legal agreements that support it.

Scenario-led

We start from what would actually happen next week if a key person were suddenly absent, not from a product list.

Documents matter

Cover without a cross-option agreement, or with outdated articles, may not deliver the outcome the owners expect.

Owner and business together

Personal protection, wills and business succession are usually the same conversation for an owner-manager.

In this area

Business Protection enquiries we coordinate

Key-person insuranceCover for the business against the loss of an individual it depends on.Read moreShareholder protectionFunding the purchase of a deceased or seriously ill shareholder's holding.Read morePartnership protectionThe equivalent arrangement for partnerships and LLPs.Read moreBusiness loan protectionCover intended to repay borrowing if a key individual dies.Read moreRelevant life plansIndividual death-in-service style cover funded by the company.Read moreExecutive income protectionCompany-funded income replacement for a director or senior employee.Read moreBusiness succession planningDeciding who takes over, and how that transition is funded.Read moreInvestment-company and complex-estate introductionsWhere corporate structures and personal estates overlap.Read moreDirector and entrepreneur protection reviewsA structured look at everything currently in place.Read more

Where we work

Areas we coordinate enquiries from

What happens next

Four steps, no obligation at any of them

  1. 01

    You tell us what matters

    A short guided enquiry, or a message in your own words. Only what is needed to route the enquiry, and nothing is committed.

  2. 02

    One named contact reads it

    Personally, not through a call centre. If anything is unclear we come back to you using the contact preference you chose.

  3. 03

    We introduce you to the right specialist

    Only with your agreement. Where regulated advice is required, the introduction is to an appropriately authorised specialist.

  4. 04

    They take it from there

    The specialist is responsible for advice, documents, quotations and terms. We stay available to coordinate connected needs.

Cromwell Associates coordinates enquiries and makes introductions. It does not provide regulated financial, legal or tax advice.

Arrange a confidential consultation

Tell us what you would like to protect or resolve. One named contact will read your enquiry personally and come back to you.

  • One dedicated point of contact
  • No call centres
  • Introductions handled discreetly
  • Serving Hampshire, West Sussex, Surrey and the Isle of Wight

Cromwell Associates coordinates enquiries and introduces clients to appropriately qualified specialists. We do not provide regulated financial, legal or tax advice, and submitting this form places you under no obligation.

Your enquiry is reviewed personally before any introduction is made.

Please do not send medical details, account numbers or other sensitive information. Cromwell Associates is an enquiry and introduction service: it does not give advice, recommend policies or arrange cover. Insurance introductions are passed on by hand to a suitable specialist, and other services to an appropriate partner. Cromwell Associates may receive a referral payment if you go on to use a service.

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