Shareholder Buy Sell
Protect your business by giving it a clear succession plan.
What Is Shareholder Buy Sell Insurance?
Shareholder Protection Insurance is designed to give your business a clear succession plan should a shareholder become totally and permanently injured, terminally ill, or die. Each shareholder is insured for the value of their shares and supported by a buy/sell agreement.
This allows ownership to transfer smoothly to the remaining shareholders—without the need for loans or asset sales—while providing a fair cash payout to the departing shareholder or their estate. The result is business continuity, retained control, and peace of mind for shareholders, staff, and creditors.
Is Shareholder Buy Sell Right For Me?
Shareholder Buy-Sell insurance is ideally suited to privately held companies with a small number of shareholders, typically two to five, where each shareholder holds a material, illiquid stake and is also actively involved in running the business.
It works best where the business has a stable, assessable value, such as an established trade business or professional practice in law, accounting, or medicine, and where the remaining shareholders would genuinely want to acquire the departing party’s shares rather than wind up the company or seek outside capital.
Protecting What Matters To You, Matters To Us.
“At Bay Insurance, we proudly support our countless clients with their health insurance needs every day. The close relationships we form with our customers is why I love working here.”
Kathryn Lemoto, Advisor
What Our Clients Say
Insurance policies can be complex. We understand that you may feel overwhelmed, and we want to create clarity to ensure you receive the best policy, that delivers on both coverage and value
Why Choose Us?
Complete Risk Solutions
Get a wide range of services to cover your unique insurance needs.
Flexible Payment Options
Flexible premium payment options where clients can opt to pay in instalments.
Claims Management
Have a Claims Manager who is always available and dedicated to get the best possible outcome for you.
Other Life Insurance Covers
Income Protection & Key Person Cover
What would happen if you could no longer work, or if a key person in your business passed away?