Short Term Income Replacement Business Guard

Designed specially for people running their own business

Is your client Employed? – Click Here

Tailor the cover to your Clients personal requirements:

Choice 1

Injury and Illness cover only or Business Closure only or both, Injury and illness and Business Closure cover

Choice 2

Monthly Benefit payable for up to 6, 9, 12, 18 or 24 months.

Choice 3

Back to day one, 30, 60, 90, 120 or 180 days

Why is DMS Business Guard unique?

Old Fashioned ASU/STIP policies for people running their own business based claims upon the income and expenses at the time of the claim. This meant that the claim benefit actually paid with old-fashioned policies was based on a greatly reduced income. DMS Business Guard bases claims on the expenses at time of application. The Applicant provides bank statements from either their business account, their personal account, their partners/spouses account (or any mix of these) within two months of the application and then… if a claim is made, no further enquiries are made about income or expenses.

The DMS benefit payment Promise

Because of our unique way of underwriting at outset, only DMS Business Guard ensures that for claims made by people running their own business, the amount of benefit paid is the amount of benefit applied for …THAT IS OUR PROMISE.

One Policy Rarely Fits all…BUT…

DMS Business Guard is one policy that offers Mortgage Payment Protection, Rent Payment Protection, Bill Payment Protection or Income Protection, whichever your Self-Employed or Controlling Director Client requires.

DMS Business Guard offers the following choices to people running their own business,
Self-Employed and Controlling Directors:


Injury and Illness Only OR


Business Closure Only OR


Injury, Illness and Business Closure


Monthly Benefit payable for 6, 9, 12, 18 or 24 months


Back to day one, 30, 60, 90, 120 or 180 days deferred

Access online Systems

Access Online Systems

To request access to our Full Online Quote and Buy Systems, Quick Quote and our Adviser Portal…
Click Here »

Quick Quote

Quick Quote

Our Quick Quote will allow you to quote DMS Economy ,DMS VALUE, DMS PLUS, & DMS Business Guard, 6 or 12 months cover, back to day one, 30 and 60 days deferred in seconds… Take a Test Drive »

DMS Agency Services Ltd trading as DMS Security Plans is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number with the FCA is 303028. this can be checked at

Registered in England, Company Registration number 03762280. Our Registered Office is Martland Buildings, Mart Lane, Burscough, ORMSKIRK. L40 0SD.