Businesses

Protect & Grow

Businesses and corporations can be complex. As an entrepreneur, a business owner/partner, or a business executive, you’ve invested your time and talents into building your business and now it’s time to protect it. We’re here to help you identify blind spots that would place your business at risk by proactively recommending strategic solutions to protect your business while helping it thrive. No matter how big or small your business, or how long you’ve been around, our team of experts can help you design a plan that will prepare you for whatever the future holds.

Solutions we offer businesses include:

Employee Benefits
Key Person Insurance
Buy-Sell Insurance
Succession Planning
Business Overhead Expense Insurance
Other customized solutions to protect the business you’ve built

Get Started

Top things to consider for your business…

Protecting your business

There are a few insurance solutions available to protect your business should unexpected death, illness, or disability occur to you, your partner(s), or your key employee(s).

Key Person Insurance helps cover the loss or disability of key executives/employees whose absence may severely impact the business by paying out funds that can be used towards recruiting, hiring and training a permanent or temporary replacement, pay off debt and manage creditors, ease lenders’ concerns about your company’s financial health, and reassure customers, employees, and investors that your business will survive.

Buy-Sell Insurance is crucial to ensuring the continuity of your business and protecting the financial interests of each co-owner’s family. It is put into place to fund Buy-Sell Agreements among partners so that in the case of death or disability of one of the partners/owners, it allows for the insurance to fund the Buy-Sell Agreement rather than personal funds or business assets.

Business Overhead Expense Insurance covers the costs of “keeping the lights on” in your business during your absence due to a disability. Expenses covered include day-to-day operational expenses such as salaries, debts, mortgage/rent, and taxes, so that once you recover you can ensure that you have a business to come back to.

Rewarding your employees

No matter how small or big your business is, or how long you’ve been around, it’s never too early (or late) to invest in your business’ greatest asset: its people. Employee Benefits are an excellent addition to your business’ compensation package to show your employees that you are invested in not only their health, but also their future. It will also help you attract and retain top talent, increase overall employee engagement, and as a result, lead to a happier and more productive workforce.

Employee Benefits can include Extended Health & Dental Coverage, Group Life & Critical Illness Insurance, Short-Term & Long-Term Disability Insurance, and Group Retirement Savings Plans.

Planning for the future

Business is filled with uncertainty, so the more we can help you plan for that, the better prepared you will be to protect the business you’ve built. Building a business is only the first stage, followed by growth and expansion, and finally transitioning out of it and planning for your retirement.

Succession Planning is key in ensuring the smooth transition of your business is aligned with your interests and plans. Our planning experts will be there every step of the way from when you build, grow, and finally transition your business down the road.

Get Started