Business owner protection
In an owner-led business, personal income, company cash flow, key relationships and family security often depend on the same small group of people. Protection planning begins by identifying where that concentration creates risk.
Why people look for this coverage
The right question is not simply how much insurance a company can buy. It is what financial damage would follow the death, disability or critical illness of an owner or key employee.
A buy-sell agreement, shareholder agreement or succession plan may describe what should happen, but the funding must also be considered. Insurance can be one potential source of liquidity, subject to legal, tax and suitability review.
Corporate ownership, beneficiary designations and tax outcomes require input from the company's accountant and lawyer. Insurance recommendations should be coordinated with those professionals and supported by current corporate documents.
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