Caspian Insurance

Caspian Insurance Caspian helps companies protect their business, their key people, and their shareholders when the unexpected happens.

With decades of experience, we work with limited company directors and business owners across a wide range of industries, from growing Here at Caspian Insurance, we take the time to understand your individual needs before recommending the products best suited to you. With a combined experience that is now approaching 200 years in life insurance, we guide our customers and provide them with ample i

nformation, so that together we can make informed choices with their families’ best interests at heart. The Caspian customer service team contact customers after their policy documents have arrived, to ensure that they fully understand their policy and are happy with the high levels of service provided.

17/08/2026

We see this every week working with VC-backed founders.

A founder raises a round, builds something real, and has a team, customers and investors all relying on them specifically.

Then something happens — illness, an accident, worse — and the company has no plan and no way to raise emergency capital, because nobody invests in a business that just lost the person they backed.

Key person insurance pays the business a lump sum to keep going, buy time, and protect the milestones you've already hit.

If you're ready to chat and see how we could help you, DM us or click the link in the bio for more information.

13/08/2026

Been told to sort Key Person insurance and don't know where to start?

We work directly with VC-backed companies at Caspian, so we check the things generalist brokers often miss — does your cover satisfy your investor agreement, what does your future runway mean for the cover amount you actually need, and how does the structure work if you've got co-founders.

And if nobody's told you to sort this yet, there might be a clause in your investment docs already.

It's on you to stay compliant with it.

Our DM's are always open if you're ready for a quick chat about this.

10/08/2026

There's a Key Person insurance clause in your investment agreement that's usually signed at closing and never actioned.

The founder didn't think about it, the lawyer assumed someone else would, the VC moved on.

Which means most VC-backed companies are out of compliance with their own funding agreement.

We work specifically with VC-backed founders at Caspian.

Send us your agreement, we'll find the clause and work out what cover you need.

Our DM's are always open. 💬

26/07/2026

He was struggling in Turin, short on confidence, ready to walk. He signed for Arsenal for one reason: Arsène Wenger.

It wasn’t a one-off. Vieira, Pires, Touré, Fàbregas. Wenger personally found almost every defining Arsenal player of two decades.

He left in 2018. Emery lasted 18 months. Arteta spent two full seasons rebuilding from scratch. Six years to recover from one person leaving.

You don’t have a business with key person risk. You have key people with a business attached.

24/07/2026

Same industry. Same era. Same year, even.

Prince died with no will.

Six siblings inherited a dispute, not an estate — six years of court filings, tens of millions in legal fees, a valuation that took years to agree, heirs selling stakes for fractions of what they were worth.

Bowie died three months earlier. His estate was planned. His catalogue sold for $250m+, clean.

Same talent tier. Opposite outcomes.

The difference wasn’t the music. It was whether anyone had written anything down.

22/07/2026

Four days. That’s how long it took a bad cold to become a fatal bacterial infection in an otherwise healthy 53-year-old.

Henson had a $150m Disney deal nearly done. It collapsed within months of his death. The Muppets eventually went to Disney in 2004, for a fraction of that.

No cancer. No heart attack in his eighties. Just a treatable illness that arrived too fast for anyone to treat it.

The thing that takes out your key person doesn’t have to be dramatic. It just has to be untreated in time.

21/07/2026

The pink Rolls-Royce, the opinion pieces, the willingness to say something controversial. That wasn’t marketing spend. 

That was Charlie Mullins being himself, worth seven figures a year in exposure.

He sold Pimlico Plumbers for £140m in 2021. Three years later, he was telling anyone who’d listen it was the biggest mistake of his life.

The new owners bought a recognisable brand. They couldn’t buy the person who made it recognisable.

The cleanest founder exits often turn into the slowest brand declines.

20/07/2026

He didn’t leave a business in trouble. He left one that was profitable, iconic, and genuinely saved.

M&S then spent more than a decade as a national punchline before anyone put it right.

The key person we underestimate isn’t the founder. It’s the operator with category instinct — the hundreds of small calls a year that decide whether a business drifts or doesn’t.

The absence never looks like a crisis. It looks like a slow, expensive decade.

19/07/2026

Thousands of engineers. Billions in revenue. Fifty years of the same unanswered question: what is Dyson without James Dyson?

He’s not running day-to-day operations. He’s the willingness to spend hundreds of millions on products with no proven market, and the taste to know which ones are close.

The org chart survives without him. The taste doesn’t.

Most succession plans transfer responsibility. Almost none transfer taste.

18/07/2026

Same stores. Same ingredients. Same brand name on the door.

Roddick wasn’t a CEO. She was the worldview customers were buying, sold by someone who actually believed it.

Manufacturing moved offshore. Discounting became default. Piece by piece, none of it looked unreasonable.

That’s how a £652m brand becomes a £207m one — a decade of reasonable decisions, made without the conviction that used to filter them.

Address

Tower 12, 18-22 Bridge Street, Spinningfields
Manchester
M33BZ

Opening Hours

Monday 10am - 7:30pm
Tuesday 10am - 7:30pm
Wednesday 10am - 7:30pm
Thursday 10am - 7:30pm
Friday 10am - 1pm

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