At LV=, we're dedicated to bolstering and safeguarding UK businesses by offering a suite of Business Protection products designed to provide essential support when it’s needed the most.

Our Business Protection services are crafted to secure your company's financial health against unforeseen events that could impact a business owner or a pivotal team member. Essentially, it functions as life insurance, with the option to include critical illness cover, for those who are integral to your business's success or its proprietors.

LV= offers a variety of Business Protection solutions tailored to your needs:

• Key Person Cover: Offers a financial safeguard in the event of the death or critical illness (if Critical Illness Cover is selected) of a vital staff member.
• Share and Partnership Protection: Enables business owners to maintain control of the company in the unfortunate event that one of the partners passes away or is diagnosed with a critical illness.
• Relevant Life Cover (RLC): Permits businesses to provide a death-in-service benefit to employees, including salaried directors, as a part of their employment package.
• Executive Income Protection: Delivers a monthly payment to the employer if an insured employee is unable to work due to illness or injury. These payments assist in covering the costs associated with an employee's sick pay, along with the employer's National Insurance contributions and pension scheme contributions on behalf of the employee.

Through these protections, LV= aims to ensure that your business remains resilient and secure, ready to face any challenge that may arise.

Owned and operated by Worldline IT Services UK Limited, fuelGenie collaborates with leading retailers like Tesco, Morrisons, Sainsbury's, and Shell to offer comprehensive business fuel card solutions. With a solid history spanning 17 years, we have been the backbone of fuel card programmes for the UK's foremost supermarkets.

fuelGenie revolutionises fuel management for UK businesses with its cost-free approach. Our fuel cards come without the usual fees — no issuance fee, no usage charges, and absolutely no surcharges or minimum spend requirements. Businesses pay only the pump price and receive a consolidated, user-friendly invoice for all fuelGenie account transactions. And the best part? It's perpetually free, not just for the first year.

Benefits include:

• Control over drivers' spending and refuelling locations, enhancing time and cost efficiency.
• A competitive credit facility.
• Reduction of paperwork and administrative efforts typically associated with mileage claims.
• fuelGenie fuel cards issue automatic receipts with HMRC-approved VAT breakdowns, enabling you to reclaim 100% of business fuel VAT.
• Detailed, easily accessible reports to monitor usage and expenses.
• Greater accuracy, control, and security compared to traditional credit cards or reimbursement schemes.
• Opportunity to collect points on Tesco Clubcard, Morrisons More Card, and Nectar card at Sainsbury’s.

The Quartix vehicle tracking system is currently operational in over 600,000 vehicles worldwide. Established in 2001 by four UK industry experts, Quartix has amassed over 120 years of collective experience in systems design, telemetry, embedded computing, communications, and database design and implementation.

Deciding which vehicles to transition to electric can be daunting, given the fluctuating charging options, automotive supplier offerings, government incentives, and resale values of internal combustion engine (ICE) vehicles. Quartix EVolve demystifies this process, enabling regular reassessment of your EV strategy to align with your unique business needs.

EVolve leverages your Quartix telematics data to analyse your fleet activity and provides a tailored electrification recommendation, considering:

• Vehicle usage patterns
• Length and frequency of trips
• Inactivity periods

Armed with recent telematics insights, EVolve matches your current fleet with appropriate EV models, offering a detailed overview of Total Cost of Ownership and a comprehensive vehicle charging strategy.

Gallagher stands as one of the foremost global entities in insurance brokerage, risk management, and consulting. Our dedicated team collaborates with businesses around the world to offer pertinent and influential professional advice tailored to the specific needs of each client. With over 90 years of accumulated expertise and a commitment to excellence, we navigate complex risk and human capital challenges to devise and implement effective solutions across various industries.

Gallagher’s range of standard and specialised insurance solutions caters extensively to SMEs:

• Builders' Insurance: Comprehensive cover tailored for builders and building contractors.
• Contractors' Insurance: Customised policies for independent contractors and sub-contractors.
• Professional Indemnity: Essential indemnity insurance for professionals including architects, solicitors, accountants, and engineers.
• Public Liability Insurance: Crucial protection against public liability claims.
• Specialist Solutions: Innovative insurance products designed for the unique needs of small to medium-sized businesses.