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The problem

Owners insure their trucks and their buildings and leave the business's single largest risk - themselves - completely uncovered.

Our approach

We look at the business as an asset with its own balance sheet risks: what happens if a partner dies, if the rainmaker leaves, if a buyer needs to be funded. Then we structure coverage and benefits that both protect continuity and give you a competitive tool for keeping the people you cannot replace.

What's covered

  • Key person risk assessment and coverage
  • Buy-sell agreement funding review
  • Executive bonus and deferred compensation structures
  • Group and voluntary benefit options for staff
  • Business continuation and succession sequencing
  • Owner personal-vs-business planning alignment
The outcome

A business that keeps its doors open and its people in place, whatever happens to any one person.