When Angus McCallum-Toppin, one of the co-founders of AMT Coffee, passed away in 2021, it marked more than just the loss of a pioneering entrepreneur—it also exposed a major vulnerability in the business’s long-term resilience. Despite being a well known British coffee brand, operating at more than 50 sites and known for ethical practices and high-street presence, AMT Coffee entered administration in 2022, highlighting how even successful businesses can falter without the rig

When most people think about life insurance, they picture a lump-sum payment to loved ones (or a business partner in the context of business protection) after they pass away. While that’s certainly the core purpose, many modern life insurance policies now have the option to include value-added benefits  — extras that can support you and your family or business during your lifetime , not just after. Typically these come at a small additional cost per month but often this is

(just try saying that after a few chablis!) The process of arranging Business Protection policies follows a structured approach to ensure...