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Because running a business shouldn't risk your livelihood.

Comprehensive cover designed exclusively for business owners, because your peace of mind is essential to your success.

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Safeguard your business from life’s unexpected events.

Running a business has inherent risks, and standard employee benefits don't protect your unique needs as a business owner. Hug offers tailored cover to safeguard your health and business, ensuring peace of mind through life's unexpected challenges.


Coverage that goes beyond the basics

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Relevant Life Cover:

Offer peace of mind to your loved ones. Sarah, a business owner, felt confident knowing her family and business were protected with coverage beyond what traditional life insurance offers.

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Executive Income Protection:

Stay financially secure, even if you can't work. After an unexpected illness, Mike's Hug coverage replaced his income, allowing him to focus on recovery without financial worries.

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Critical Illness Cover:

Prepare for the unexpected. When Maria was diagnosed with cancer, Hug's Critical Illness Cover helped her access the care she needed and supported her business in her absence.

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Personal Accident Cover:

Protect your livelihood in case of accidents. Omar's cover ensured his business could continue without a hitch after he suffered a road traffic accident that meant he couldn't work for 3 months, covering his medical costs and recovery expenses.

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Private Medical Insurance:

Access to fast, high-quality healthcare. Tom valued Hug's Private Medical Insurance for its quick access to medical care, keeping him healthy and available to lead his business.

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Why choose Hug's business owner protection?

Business owners are often the primary income providers for their families and so need a financial buffer should the worst happen to keep the business running and protect their livelihood.

95% of business owners say having comprehensive coverage increases their confidence in running their business.

Clients report a 40% faster recovery time when they can access private medical care through Hug.

Research shows that nearly 50% of men and 33% of women are likely to develop cancer at some point in their lives, highlighting the value of critical illness cover.

96% of business owners admit to bottling up stress, which can exacerbate health problems and ultimately impact business viability​.

Simple, tailored, and stress-free

We've made it easy to attract great talent and offer great benefits without the hassle. Here's how:

Step 1

1. Assess your needs:

A friendly Hug advisor will discuss options and help you to consider the type of coverage that aligns with your business goals and personal protection needs.

Step 2

2. Choose your products:

Select from five tailored insurance options, each designed to provide business owners with enhanced coverage and peace of mind.

Step 3

3. Get a customised quote:

Our team will work with you to create a personalised plan that fits your budget and offers comprehensive protection.

Step 4

4. Enjoy peace of mind:

Rest easy knowing you're protected with a plan that covers both you and your business interests.

Frequently asked questions