Business Insurance

We specialize in helping business owners protect their companies from financial disruption caused by unforeseen events.

From executive compensation to disability planning, our tailored solutions ensure your business and key personnel are covered—no matter what the future holds.

Key Person Insurance

Protect Your Business from the Loss of a Vital Leader

The unexpected loss of a key executive, manager, or top-performing employee can have a lasting financial impact on your company. Key person insurance provides critical funding that can help offset lost revenue, fulfill loan obligations, and support the recruitment or training of a replacement.

Our team will help you:

Identify key individuals within your organization.
Assess the financial risk tied to their absence.
Design a custom policy that protects your business continuity.

Key person life insurance is not just protection—it’s strategic foresight.

Turn Your Buy-Sell Agreement Into a Working Strategy

Many business owners have established buy-sell agreements as part of their shareholder or partnership plans—but without proper funding, those agreements can quickly become liabilities. We help ensure that your business succession plans are financially supported when the time comes.

Our process includes:

Reviewing your current buy-sell agreement.
Evaluating gaps in funding or execution.
Recommending life or disability insurance solutions to secure future ownership transitions.

A well-funded buy-sell agreement offers peace of mind for owners, partners, and stakeholders alike.

Buy-Sell Agreement Funding

Business Overhead Expense Insurance

Safeguard Your Company’s Financial Operations During a Crisis

If your business depends on your ability to generate revenue, what happens if you become too sick or injured to work? Business Overhead Expense (BOE) insurance is designed to cover fixed operating costs—like rent, utilities, payroll, and loan payments—while you recover or transition your responsibilities.

Key advantages:

Maintains business operations during your absence.
Buys you time to recover or restructure.
Prevents personal financial strain while ensuring business continuity.

This essential coverage helps protect your company during periods of unexpected income disruption.

Disability Insurance

Secure Your Income with Personalized Disability Coverage

Your earning power is one of your most valuable assets—and protecting it is essential to any long-term financial plan. While employer-provided group disability insurance is a good start, it often falls short. Most group plans replace only about 45% of your pre-tax income.

We recommend supplementing with an individual disability insurance policy that:

Provides tax-free income replacement.
Offers coverage up to your Social Security retirement age.
Ensures financial stability if you’re unable to work due to illness or injury.

Let us help you create a plan that keeps your income intact, no matter what life throws your way.

Non-Qualified Executive Compensation Plans

Retain Top Talent with Custom Executive Compensation Solutions

In a competitive job market, retaining top performers and key contributors requires more than salary and standard benefits. A non-qualified executive compensation plan allows you to reward and retain essential employees with a future-focused financial incentive.

These plans offer:

Customized rewards for select employees or leadership.
Deferred compensation options tied to performance or tenure.
Flexible funding and vesting structures aligned with your business goals.

Let our specialists analyze your business needs and develop a plan that strengthens employee loyalty while aligning with your long-term strategy.