Business Insurance

Risk is the invisible seam running through every business. Because we can never be sure what might go wrong tomorrow, next week, or a year from now, businesses do all they can to minimise the effects of unforeseen events.

Insuring machinery, IT equipment and vehicles is sensible business practice. We know these things go wrong, and we also know they are easily replaced. The same cannot be said of your most precious asset: Your people.

Key employees and directors are the lifeblood of your business. They are the ones contributing to its profitability, building relationships and goodwill, motivating others, increasing sales. They may have a set of skills in short supply. They may be visionaries creating pathways to an even brighter future. Whoever they are, they are not easily replaced.

The loss of an employee to illness or death is never easy. The loss of a key person adds another layer of difficulty; business is disrupted, and finding a replacement may take time and resources.

Activ Consulting offers access to specialist insurance to mitigate the effects of losing a key person, partner or shareholder your business needs in order to thrive.

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To find out more about how Activ can help you simply call on 0161 790 7373 to speak to a member of our team or click on the link below to receive a FREE no obligation quote.

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Latest News...

PMI-funded hospital admissions hit another record high

Private medical insurance continues to play a growing role in UK healthcare access. According to Private Healthcare Information Network (PHIN) data reported by Health & Insurance Magazine, there were 670,000 PMI-funded hospital admissions in 2025, up from 665,000 in 2024 — another record year. Total private-funded hospital admissions also reached 953,000, the fourth year in…

📲Why Virtual GP Is Becoming a Core Benefit

Primary care access in the UK is under pressure. Appointments are hard to secure. Waiting times are long. And employees are increasingly frustrated by the process. For employers, that frustration doesn’t disappear — it can show up as absence, distraction, and delayed treatment. Virtual GP services may offer a practical solution. Employees can consult a UK-registered…

Private healthcare is rising — and it’s a retention play

  42% used private healthcare in the past 12 months; 500k+ went abroad. The surge comes as NHS waiting lists rise (7.4m). With “job hugging” growing, health benefits are a stay factor. Next step: review your mix (private medical insurance, virtual GP, mental health support, cash plans), gather feedback, and pilot early-intervention options. 📞 If…

VAT on private healthcare: “not happening,” says Wes Streeting.

VAT on private healthcare: “not happening,” says Wes Streeting. Translation: the current VAT exemption stays in place for the autumn Budget. You can stand down the calculator (for now). What this means: No new VAT line item on private healthcare this Budget; focus remains on getting value from cover and managing other costs like IPT.…

Health is Wealth

The richest parts of life are basic: clear head, steady energy, decent sleep. Two habits help protect that: - Gratitude: 60 seconds to notice what’s working nudges the brain toward balance. - Mindfulness: One task, one breath—less noise, better decisions. Healthy habits don’t replace healthcare. When the unexpected happens, good medical insurance can help with:…

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Activ Consulting Group Limited
55 Border Brook Lane
Worsley
Manchester
M28 1XJ

© Activ Consulting Group Ltd 2026

Registered Address: 60a Saddleworth Road, Greetland, Halifax, England, HX4 8AG.

Registered in England 07744287

Activ Consulting Group Limited is an appointed representative of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority.

FCA No. 312878