Buy-Sell Insurance

Buy-Sell Life Insurance Policies​

This product enables business owners to protect themselves in the event of a change in ownership or partnership. Should one, for example, wish to retire and exit the business (or a shareholder/partner passes away), this policy ensures that there is no interruption in service or an unfavourable change in management. 

Benefits of Buy-Sell Insurance Policies

Retain professional management and continuity of service 

Avoid devoting valuable management time to buyout negotiations

Ensure that the business is devolved at a predetermined price, enabling owners to factor into their retirement planning

The viability of the business is safeguarded 

Easier transition for the remaining partners 

The buy-sell agreement also provides a stipulation that protects the business from any disputes that may arise regarding the allocation of funds or assets. It ensures that all parties involved will adhere to the agreed terms and conditions, therefore making it easier to dissolve a relationship.

Policy Features

The number of shares or partners is not restricted 

The buyout price can be predetermined on the date of policy inception and needs to be reviewed at least annually as the business grows

It can cover existing as well as future shareholdings and partners, even where this applies to unincorporated companies. 

This solution protects against sudden death, incapacity or retirement of a shareholder, member or partner.

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Our Partners

I.H.S. offers a variety of insurance-related services including:

Key Man Insurance Policies

This product is beneficial to individuals whose business would suffer if a Key Person associated with it were to die or be disabled and unable to continue as an employee of the company.

Buy-Sell Insurance Policies

This product enables business owners to protect themselves in the event of a change in ownership or partnership, as a result of the death, disability, or resignation of a shareholder.

Contingent Liability Policies

This product is purchased in the event of financing needed for the business. This could be as a result of expansion or purchasing of a large asset by the business. It could be also be necessary at the time of purchasing the entity.

What Our Clients Say About I.H.S

This is just a small sample of our clients’ testimonials! If you are interested in any of the business insurance packages that IHS offers, please contact us at 010 591 2492. 

I just wanted to give some feedback I received from one of our staff members. she was so happy she chatted to you and that you gave her such an awesome service. Thank you once again for all your assistance, I really appreciate it. Regards

Anastacia Hammers Cape Union Mart

I.H.S. has provided business insurance for me and my partner's stores. Brian was very friendly and helpful! The good thing about I.H.S. is that they are fast, efficient, and reliable - I can always count on them to get the job done. They handle all of our insurance needs, which means we don't have to worry about a thing!

Louise Roberts Fashion Designer and Store Owner

When I was looking for a business insurance broker to help me with my policy, I talked to several different firms. It quickly became clear that Brian at I.H.S. was the best choice. He has a huge amount of experience and knows what he is talking about - it's very easy to see why he is the best business insurance broker in South Africa.

Brent Boston Hypermarket Manager, Vereeniging

I have known Brian for a few years now and we have done business together. He is helpful and reliable and has never let me down when I needed his services. I highly recommend him and look forward to doing lots of business with him in the future!

Liza Business Owner, Boksburg

I.H.S. has been a lifesaver for my business! When no other insurance broker could help me, Brian was able to provide me with a comprehensive policy that fully protects my business. I have a strong piece of mind knowing that if something were to happen, the business will move into its next chapter.

Kathy Clothing Store Owner, Sandton

I have been doing business with I.H.S. for a long time now. Anytime I've had an issue or needed advice, Brian has always been there for me! It's comforting to know that they are just a phone call away when you have any insurance needs.

Tanya Business Owner, Randburg

If you are looking for business insurance, I can't recommend Brian at I.H.S. highly enough! He was able to help me find the best policy that suits all of my needs. Since then, it's been 5 years without any claims!

Rianne Van Wyk Business Owner, Johannesburg