Owner/Key Employee Insurance

Home  /  Services  /  Owner & Key Employee Insurance
Owner & Key Employee Insurance

Protect the business. Protect your family.

Life and disability insurance solutions that keep your company running and your family secure if the unexpected happens to you or a key member of your team.

Why It Matters

Your business depends on a few key people.

When an owner or key employee dies or becomes disabled, the impact reaches customers, lenders, employees, and family, often all at once.

The right coverage provides cash when it’s needed most: to keep operations steady, fund an orderly ownership transfer, replace lost income, and give everyone time to make good decisions instead of rushed ones.

Insurance also strengthens your exit plan. Buyers and lenders look closely at key-person risk, and a business that has addressed it is easier to value and easier to transfer.

Business owner in his office
Solutions

Coverage designed around your business.

Key Person Insurance

Protects the company against the financial loss of an owner or critical employee, funding recruiting, transition, and lost revenue.

Buy-Sell Funding

Provides the liquidity for remaining owners to buy a departing owner’s share at a fair, pre-agreed value.

Disability Income

Replaces a portion of an owner’s or executive’s income if illness or injury keeps them from working.

Business Overhead Expense

Helps cover rent, payroll, and other fixed costs while a disabled owner recovers.

Executive Life Benefits

Life insurance as a valued benefit for key leaders, often paired with retention strategies.

Coverage Review

An objective look at your existing policies to find gaps, overlaps, and outdated coverage.

Is your business protected?

We’ll review what you have, identify the gaps, and recommend coverage that fits your plan.