Business life protection
Key-person life, buy-sell funding, loan protection, and continuity strategies for death-related risk.
Owner & Business Protection
Protect the company you built.
Choose the risk to address.
Begin with the event you are planning for—death, disability, loss of a key person, ownership transition, or ongoing business expenses.
Request business guidance →Coverage overview
Built around your organization—not a template.
Business protection is not one policy. The right structure depends on whether the goal is protecting revenue, funding an ownership transfer, covering expenses, satisfying debt, or supporting succession.
Business disability protection
Business overhead, disability buy-sell, and key-person disability strategies for illness- or injury-related risk.
Owner income protection
Personally owned disability coverage may protect the owner’s household income separately from business obligations.
Professional coordination
Insurance design should align with legal agreements, valuation, accounting, and tax advice.
A strong fit for
- ✓ Owners deciding where to begin
- ✓ Businesses reviewing an existing continuity plan
- ✓ Partners coordinating life and disability risks
How it works
Important choices, explained clearly.
Use the dedicated Business Life or Business Disability page for a deeper explanation of each strategy.
Choose the event
Death and disability create different financial and legal problems, even when both affect the same owner.
Measure the exposure
Consider revenue, replacement cost, debt, fixed expenses, ownership value, and obligations to families or partners.
Select the correct contract
Life, individual disability, overhead expense, and disability buy-sell policies serve different purposes.
Keep the plan current
Review coverage when ownership, valuation, revenue, debt, or key people change.
What we help compare
Benefits, cost, participation, and long-term value.
Available carriers and plan rules vary. We organize the choices and help the employer understand the tradeoffs before making a decision.
- ✓ Key-person and continuity risk
- ✓ Death versus disability funding
- ✓ Personal income versus business expenses
- ✓ Ownership agreements, valuation, and professional review
PERSONAL SUPPORT FOR EMPLOYERS