True Protect

Running a small business has always meant wearing about 17 different hats at once.

Now with employment rights and SSP changes continuing to roll out across 2026 and 2027, a lot of small business owners are asking the same question:

“If someone in the team was suddenly off long-term… what would actually happen?”

Because when you’re a smaller business, one person being away can affect:

📅 Workload
💬 Client relationships
💷 Cash flow
🧠 Stress levels

Big responsibility doesn’t always come with a big team.

Which is why more SME owners are reviewing things like:

• Sick pay policies
• Business continuity plans
• Key person cover
• Executive income protection

Not because they expect the worst, but because small businesses rely heavily on good people ✨

If you need a bit of guidance understanding where your business stands, just drop us a message:

https://www.true-protect.co.uk/contact-us/

For a deeper look at recent changes, read more here: https://www.business.gov.uk/campaign/employment-changes/

Nobody really warns you that adulthood is mostly just: “well… that’s an unexpected expense.”

One minute you’re budgeting for nice things.

The next it’s boiler this, car that, emergency vet trip here, a laptop dying at the worst possible time there, or realising life absolutely refuses to space out its expensive moments!

It’s not always the BIG financial emergencies that catch people out, sometimes it’s just several annoyingly adult problems arriving all at once 😅

Which is exactly why things like savings, sick pay and financial protection matter more than people think.

Not because anyone expects the worst, but because life has a habit of being expensive when it’s least convenient ✨

One thing we notice?

A lot of people assume workplace sick pay will fully cover them if they’re unable to work for a while.

Sometimes it does.

But for most of us, the reality is:

• It only lasts a certain amount of time

• It may not match full pay

• Self-employed workers often have far less support available

Which is why understanding your workplace benefits properly matters more than ever. 👏

Personal & Business Protection

Pride Month is a celebration of love, identity, community and being able to live openly as yourself 🌈

At True Protect, we know every family, relationship and future looks different, and we think that should always be reflected in the conversations we have.

Happy Pride Month from the whole True Protect team! 💙

Living with a long-term health condition while managing work, family and everyday life is a whole lot to carry.

That's why we're super pleased to support New Horizons Health Trust and help spread the important word about their upcoming Wellbeing Circle for working adults living with long-term health conditions.

It’s a fab (free!) virtual session that offers a safe space for connection, conversation and reflection with others who understand the challenges that can come with balancing health and work.

The important bits:

📅 3rd June
⏰ 12:00pm
💻 Online

If you or someone you know could benefit from joining, you can find out more and register here:
🔗 https://bit.ly/4wucEuJ

At True Protect, we believe support comes in many forms, and sometimes simply knowing you're not facing things alone can make all the difference.

It started as: “just a little side thing.”

Now suddenly you’ve got:

📦 orders to send

📱 messages at 10pm

☕ caffeine dependency

📅 no actual days off

…and a Notes app full of business ideas.

Funny how quickly a side hustle becomes something real!

Whether it’s freelance work, an online shop, content creation, photography, beauty, baking or finally starting the business you kept talking yourself out of…

At some point, most side hustlers realise:

“This probably needs treating like an actual business now.”

That includes thinking about things like:

✔️ Protecting your income

✔️ Having backup plans

✔️ Making sure one bad month doesn’t derail everything you’ve built

Because when your side hustle starts paying the bills… it deserves protecting too ✨

Are you currently renting?

Have you given Rental Protection a thought?

It’s okay if the answer is ‘nope’, most people haven’t! 🙂

But it is a super useful thing to have in your back pocket.

Bills still show up every month… even if you end up being unable to work.

Rental protection is there to keep things ticking over while you’re off, so one less thing is hanging over you.

If you’re not sure how it works, we’re always happy to chat: https://www.true-protect.co.uk/contact-us/

A little Bank Holiday notice from the True Protect team ☀️

We’re taking a short break for the long weekend and will be back in action on Tuesday.

Until then, we hope you get chance to properly switch off, even if it’s just for one extra day ✨

We know we might seem like a pair of Nosey Nellies…

Job, income, health, plans - it’s personal!

But it’s not small talk, and it’s definitely not for the sake of it.

Every answer helps us make sure what you put in place actually fits your life and does what it’s supposed to if you ever need it.

Because guessing, rushing, or leaving things out?

That’s where problems usually start.

So we promise we’re not trying to pry.

We’re just making sure it’s done properly. 🥰

“I’ve got savings, that’ll cover me!”

This is what a Protection Adviser hears in her nightmares! 👹 😱

Relying on savings in place of a proper protection plan is something we hear people doing a lot…

A few months off work doesn’t stop:

– Rent or mortgage
– Utility bills
– The weekly food shop

Those savings you worked so hard to build up?

Gone in a flash.

Don’t get us wrong, savings are important for emergencies.

But they’re not a long-term plan.

It’s worth knowing what your backup actually looks like before you need it.