COVID-19 Notice: Thomas Carroll remain committed to putting our clients at the forefront of what we do. In light of Caerphilly county being placed under local lockdown from 6:00pm on 8th September 2020, we wanted to remind you that we are fully operational whilst working from home, so that we can continue to provide the same quality service that you normally enjoy from our team. To find a contact number for a member of our team, please click here.

Visit our COVID-19 risk management updates and advice hub here. If you’re in business, we have produced a number of guides, checklists and templates to help with your return to work preparations and ensuring your workplace is safe for your employees in these challenging times.


The loss of a key person can put immense pressure on remaining owners if there are any outstanding financial commitments.

Business Loan Protection is life assurance with or without critical illness cover included and can cover loan repayment and debts associated with the loss of a key person.

It is important for growing businesses to have this cover in place in case the business experiences the loss of an individual who has guaranteed a loan. Lenders may have the right to demand the business pays back any outstanding loans which can be difficult at short notice.

A policy is taken out on the life of a key individual at your business so that any money due from a claim can be used to help pay outstanding debts or loans.

The level of cover should reflect the terms of your loan and the amount needed to pay any outstanding borrowings.