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Cover For Your Business

Business Team

Protect Yourself

and Your Business

King Financial Services is a family business run by husband and wife team, Mark and Fiona King. Established in 2009, the business has been built on traditional values of trust and integrity. It has grown from being run out of the King family sitting room to dedicated offices in Mamhilad and Bournemouth with multiple employees and clients all over the UK. So, we understand our customer’s concerns and we are growing with our customers as their needs change!

Both Fiona and Mark specialise in protection but they are also able to provide market-wide advice. King Financial Services work with carefully selected partners that they trust to ensure that they can meet all of their client’s needs.

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Private Medical Insurance

Private Medical customers benefit from faster diagnosis including MRI, CT and PET scans, full access to private hospitals without the delay of NHS waiting lists, a private room if there’s a need to stay overnight and treatments that aren’t available on the NHS, including options for dental treatment and prescription glasses, etc.

Giving your employees the benefits of private medical treatment can be a big deal for both them and your business; it can help you attract and keep talented people, cut down on employee absence due to sickness or injury and increase overall employee morale & productivity.

So, if you own a business and want to ensure your employees are covered for private medical treatment, whether you employ 1 person or 100 people, we can provide options to suit your needs.

Business Healthcare Cash Plans

While private medical insurance provides cover for your employees in the event of an unforeseen healthcare cost, a healthcare cash plan can help you cover the costs of routine healthcare, such as dental checkups and regular eye tests or even physiotherapy.

Including a cash plan in your employee benefits package can not only help you attract and retain high-calibre people but can help you cut down absence due to sickness, increase overall productivity and improve staff morale.

These plans are entirely customisable to meet your needs and can be very reasonably priced, so contact us about getting a quote today!

Hospital Cash Plans

A hospital cash plan allows you to benefit from private medical treatment at a significantly lower price than full private medical insurance. A self-pay plan like this one means that you pay for treatment covered by your policy and get reimbursed for the cost; so not only is it cheaper than full private medical insurance, but you also don’t have to wait for approval from your insurer before getting treatment! 

The plan covers appointments with private GP’s, consultations, scans & tests, in-patient & day-patient treatments, physiotherapy, osteopathy, chiropractic treatment, acupuncture and more.

Of course, there are limits on how much cashback you can claim each year; but with 3 different levels of cover available, there are options available to meet your needs and budget.

Death-In-Service Cover

A Death-in-Service policy is a type of employee benefit which covers a specific employee and can pay out a sum of between 2 to 4 times their annual salary if they pass away while on the company payroll.

So, if an employee earns £25,000 per year, their loved ones could receive a tax-free lump sum of between £50,000 to £100,000.

Including a death-in-service benefit in an employee benefits package can help you attract and retain high-calibre people and is usually more affordable than a Group Life insurance policy, so if you own a small business or are simply looking to be as financially efficient as possible then a death-in-service policy may be the best option for you.

Key-Person Protection

Sometimes an individual employee, whether it’s the CEO, CFO or a key salesperson makes all the difference to your business.

Key-person protection makes sure that your business doesn’t suffer a financial loss if they were to die or be too sick to work by paying out a lump sum to the business.

Relevant Life Insurance

A pre-paid funeral plan is an agreement where you pay either a one-off lump sum or a monthly fee to your provider and they will cover the cost of funeral director services when your time comes.

This can help you beat the rising costs of funerals and save your loved ones the stress of arranging and paying for your final goodbye in the future, when prices may have increased due to inflation, etc. by fixing costs at current levels.

We work with the only funeral plan provider recommended by the Society of Allied & Independent Funeral Directors, Golden Charter, to ensure that our client’s needs are met and can have peace of mind knowing that their funeral plan is in good hands.

Public Liability Insurance

Sometimes, no matter how in-depth your health & safety policy or how careful you are, accidents happen. As unfortunate as that may be, it’s a fact; and if they result in injury or property damage to a third party on your premises or while you are working on their premises, you could be liable for legal action and may have to make compensation payouts.

A suitable public liability policy will ensure that you are covered for the costs that may come following such an accident, including legal costs and any compensation payouts you may be obliged to make.

Professional Indemnity Insurance

If you have ever had concerns about making a mistake or giving incorrect advice to a client, professional indemnity insurance may be just the thing to put your mind at ease.

Essentially, this type of policy provides you with coverage for any legal costs and expenses if a client seeks compensation because they blame your service or product for a financial loss. 

We can ensure your Professional Indemnity policy is entirely tailored to meet your needs, whether you are a sole trader, self-employed, contractor or represent an SME or even a multinational corporation. So give us a call or request a quote online today.

Buy-To-Let Mortgages

A buy-to-let mortgage is somewhat similar to a residential mortgage; the key difference being that this type of mortgage is for people who intend to rent out the property to others rather than live in it themselves.

You can typically expect to need a bigger deposit than with a residential mortgage, as well as a number of other differences, so it is important that you know what you’re getting into before buying!

Check out our mortgage videos for more information

Landlord Insurance

If you rent out a property or properties out to a tenant, you may have concerns about the risks you and your property may face.

This type of insurance policy typically provides coverage if your property is damaged by a tenant, if a tenant fails to pay their rent or if a visitor or tenant seeks damages in court after being injured or on your property.

There are many options available, so you can be sure that we can provide you with a bespoke policy which meets all of your needs and you can rent out your property with some peace of mind.

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