Key Man Insurance protects small to medium size companies by covering salary, bonuses and other remuneration packages due to an employee, or owner´s inability to work, caused by illness or accident.

Contrary to loss of turnover, the policy benefits the company for expenses related to salary payments and extra costs incurred for replacement staff. The policy can include all employees, or only one. All professions can be covered, however special acceptance rules and insuring conditions apply to manual labor.

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