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Business Risk Cover

Fast, effective and commitment free

Protecting your business with the right risk cover is a top priority. After all, you’ve poured so much of your time, devotion, care and resources to creating a great business for yourself and a great offering for your customers. You now want to protect that as much as you can.

In our business we ourselves recognised the lack of flexibility in some of the current offerings. We understand some of the unique challenges faced by fast-growing small to medium businesses, and the potential gaps in the provision of right, flexible and affordable cover for a growing business than offered by traditional insurers.

Make covering your business risks easy

We believe that by offering simpler protection and financing solutions through more efficient distribution channels, we can help SMEs survive and thrive. Our solutions couldn’t be simpler to purchase: one click, no paperwork, no hassle.

With MPI you can arrange business risk cover in minutes by buying your policy online. No confusing forms and minimal jargon! Dealing with MPI is straightforward and seamless.


Your choice of an annual or monthly contribution model gives you the ultimate flexibility. You have the option to cancel or increase your cover at anytime because we offer cover that adapts to your business needs.

Each member is required to submit sufficient information for us to make an informed risk assessment of your business. MPI must operate on a bona fide commercial basis. This means we cannot accept members’ contributions that are far in excess of what is reasonable for the size and type of business. We also cannot accept contributions that are far in excess of what is required to fund the likely risks the member business may present to MPI.

For example, a member may wish to pay a contribution of £2m for a particular year. If the risk assessment shows that only £1.5m can be justified, MPI cannot accept a larger contribution.

Having been advised of the maximum acceptable contribution, a member may choose to pay less: there is no requirement to pay the maximum. The member would then quite legitimately claim a deduction for that contribution against their current year profits, on the basis of the ‘wholly and exclusively’ test.

Safety First

Any prudent business will wish to satisfy itself that it is not taking any untoward risk in joining a mutual and paying annual contributions. There is a custodian appointed by the members to act in the best interest of the members. We protect our members’ contributions in a number of ways. First, each member has their own protected cell. This means that liabilities of other members cannot affect the funds in the member’s cell.

Secondly, funds in a protected cell are subject to an agreed signatory requirement. Funds can only be moved out of the cell with signatures of relevant and previously agreed upon parties, such as directors of the mutual, the custodian and the member.

Thirdly, the investment policy of a cell will be discussed with the member in order to satisfy the member that sufficient caution is being exercised.

Data collection

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Guaranteed ROI

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Always Online

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Premiums/member Contribution Levels

Contributions are subject to annual risk assessment based upon the size of the member company, turnover and the sector the business is in. Mutually Protected is a premium value friendly society for SME business, as such meter contributions have a minimum level above £50,000 PA

Making a claim

We deal with everything direct: no faceless third parties. All claims are handled by our in-house team personally with a single point of contact.

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