IGotCover

IGotCover IGotCover helps UK limited companies protect their business, key people, and families if the unexpected happens.

With over 10 years’ experience, we support businesses across a wide range of industries with clear, dependable business protection advice.

14/06/2026

Most limited company directors have been here and nobody talks about it enough.

13/06/2026

The first one was so funny, we had to do a part two... and they didn't disappoint 🤣

12/06/2026

We had a go at this trend and we need you to settle the debate, who do you think did it best?! Drop your verdict in the comments 👇🤣

12/06/2026

Bob Mortimer has spoken openly about what it felt like to be told his heart needed emergency surgery.

He hadn't been unwell in any obvious way. There were no dramatic warning signs. He went in for a check, and came out with a date for a triple bypass.

He was off work for months.

The career he'd spent decades building, the writing, the performing, the projects, it all had to pause. Not because he chose to step back but because his body made the decision for him.

But he recovered, he came back. His career continued, eventually producing Gone Fishing, a show that exists largely because he and Paul Whitehouse, who had also been through serious heart surgery, decided to spend time doing something that actually mattered to them.

It's a good ending. But the middle part, the months of uncertainty, the inability to work, the income that stopped, that part is real.

For a TV comedian with a career behind them, that period is deeply unsettling but survivable. For a self-employed business owner or a sole company director, the same situation looks very different.

No sick pay. No employer is covering the gap. Just a business that depends entirely on you being available and a period where you aren't.

Most limited company directors have never properly mapped out what their finances look like if they can't work for three months, six months or longer.

It’s easy to assume it won't happen, and there are always more pressing things to deal with today.

Bob Mortimer didn't see it coming and that's usually how it goes.

It’s worth knowing what your numbers look like if the same thing happened to you.

11/06/2026

Most limited company directors set up their life insurance the same way they did before they ran a business.

They pay the premium personally. From their own bank account. From money they've already paid tax and National Insurance on.

There's another way to do it.

Through Relevant Life Insurance, your limited company pays the premium instead of you.

Because it's structured correctly, the premium is treated as a business expense, meaning it sits outside of your personal tax position entirely.

You're getting the same level of cover, and the same payout for your family if you die.

But you're not using post-tax personal income to fund it.

For a higher-rate taxpayer, the difference in real cost between the two approaches can be significant, often up to a 49% saving on premiums.

The policy is also written in trust, which keeps the payout outside of your estate, which can be important for inheritance tax planning further down the line.

Essentially, it's the same protection, just built around the way you actually get paid now.

If your current policy is sitting in your personal name and you're running a limited company, it's worth reviewing how it's set up.

09/06/2026

The algorithm will decide. We'll keep filming either way.

09/06/2026

Do you know what your company is worth?

08/06/2026

Most limited company directors are paying for life insurance out of their own pocket, with money that's already been taxed. If your accountant hasn't mentioned this yet, it's worth knowing about.

07/06/2026

If you've ever made a major business decision and wondered if you got it right, this one's for you.

05/06/2026

Watch out for that wall 👀

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