Business Protection
When you secure finance, unexpected events shouldn’t put your business—or personal assets—at risk. Our protection products offer targeted insurance cover to complement your lending facilities, safeguarding both your guarantees and your receivables.
Tailored to your sector and funding structure, these add-ons give lenders confidence and you the peace of mind to focus on growth.
Personal guarantee insurance steps in if a lender enforces your guarantee. Rather than tapping into personal savings or home equity, you pay a predictable premium to protect directors, shareholders, and family interests. Typical features include:
- Cover for guarantee call amounts up to 100% of your limit
- Options to insure multiple directors under one policy
- Premiums based on guarantee size and business risk profile
- Rapid policy binding to coincide with loan completion
This solution helps you negotiate finance without risking personal assets, unlocking opportunities that might otherwise require hefty guarantees.
A single customer default can strain cash flow and growth plans. Trade credit insurance mitigates this by covering losses when approved buyers fail to pay. Key benefits include:
- Cover of 70–90% of receivables owed by UK and export buyers
- Flexible policy limits for high-value contracts or seasonal peaks
- Dedicated credit-control support and debtor monitoring
- Fast claims payment to maintain working capital
With trade credit cover in place, you can extend safer payment terms, bid for larger contracts, and strengthen your balance sheet.
While we’re not insurance brokers, we’ve built strong alliances with specialist insurers to offer a full suite of business protection products. Through our trusted partners, you can access:
- Property and business interruption insurance to guard your premises and revenues
- Professional indemnity and public liability cover to protect against client or third-party claims
- Employers’ liability and group personal accident policies for workforce security
- Cyber and data breach insurance to defend digital assets and reputation
- Directors’ & officers’ liability insurance to shield leadership from financial exposures
Our partners handle the coordination, working with underwriters, negotiating premiums, and managing renewals, so you enjoy a single point of contact and a unified risk-mitigation strategy.
FAQs
Personal Guarantee Insurance protects directors and shareholders if a lender enforces a personal guarantee. Instead of tapping into personal savings or home equity, you pay a predictable premium to cover guarantee calls up to 100% of your limit. This cover lets you negotiate finance more confidently without risking personal assets.
Trade Credit Insurance covers a high percentage (typically 70–90%) of receivables when approved customers default or become insolvent. With debtor monitoring and credit-control support, you reduce bad-debt exposure and maintain working capital. Fast claims payouts mean you can continue trading even if a key buyer fails to pay.
Through our trusted insurer network, you can obtain any business insurance type, such as:
- Property and business interruption cover
- Professional indemnity and public liability policies
- Employers’ liability and group personal accident insurance
- Cyber and data breach protection
- Directors’ & officers’ liability cover
Our partner network negotiate competitive premiums and policy terms with their specialist insurers. Once you select a policy, you’ll deal directly with the insurer for binding, renewals, and any claims. They will guide you through each step, explaining costs, cover details, and paperwork, so you know exactly what to expect, while your chosen insurer manages the ongoing relationship.
Contact
- 1 Knight House, 140-142 High Street, Penge, London, SE20 7EU
- 0208 078 4277
- info@ascend-cf.co.uk
Brochures
View our 2020 Medical prospectus of
brochure for an easy to read guide on
all of the services offer.
Other Funding Options
Our panel includes hundreds of lenders, from specialists in property finance to experts in tax funding. This ensures we can help businesses access the right financial solutions for their needs.
