Business Protection Specialists
What happens to your business if your best person can't come back?
Most partnerships, family businesses, and startups have no funded plan for losing a critical founder, partner, or key employee. One departure. No insurance. No buy-sell agreement. No succession plan.
We fix that in 30 days.
The Risk Nobody Talks About
You already know you should have handled this
Your senior partner had chest pains last month. He's fine. This time. But you sat in your office that evening and thought about the partnership agreement you signed eight years ago. The one that doesn't say what happens if someone can't work. The one with no insurance behind it.
You've been meaning to deal with this for years. You haven't because the insurance industry made it feel like buying a product instead of solving a business problem. You got a generic quote once, couldn't tell if it was right, and closed the tab.
Meanwhile, the exposure grows every month you wait.
If your critical person dies or becomes disabled, the business absorbs the full financial impact. No payout to cover recruitment, revenue loss, or transition costs.
Your partnership agreement says what should happen. But there's no money to make it happen. A forced buyout with no funding destroys the surviving partners.
The business depends on people who will eventually leave, retire, or die. Without a funded plan, the transition becomes a crisis instead of a process.
What We Protect Against
Three protection gaps. One integrated strategy.
Most businesses address these separately, if they address them at all. We assess all three, build one strategy, and implement it with a specialist who's done this for businesses in your industry.
Key Man Insurance
Tax-free payouts that cover recruitment, revenue loss, and transition costs when a critical person dies or becomes disabled. The business owns the policy. The business gets the payout.
Funded Buy-Sell Agreements
Your partnership agreement is a promise. Insurance is the money behind it. We structure cross-purchase or entity-purchase agreements so surviving partners can actually afford the buyout.
Succession Planning
Who takes over, when, and how it gets paid for. We build the financial instruments that turn handshake plans into funded, binding transitions.
Professional Partnerships
Law firms, medical practices, and consulting groups where one partner's departure can dissolve the entire practice. We've seen the structures that work.
Family Businesses
Generational transitions with real money at stake and family dynamics to preserve. Fair buyouts for departing members. Clear governance for the ones who stay.
High-Growth Startups
Investors require key person coverage. Co-founders need protection. We place policies that satisfy term sheets and protect the people the business depends on.
How It Works
From first call to full protection in four steps
No cold calls. No generic quotes. A structured process that starts with understanding your business and ends with every key person protected.
Risk Assessment
A 20-minute call. We map your key personnel, partnership structure, and existing coverage. You'll know exactly where you're exposed before the call ends.
Specialist Match
We connect you with a protection specialist who has direct experience in your industry. Not a generalist. Someone who's structured agreements for businesses like yours.
Strategic Plan
Your specialist presents a complete analysis: recommended Key Man coverage amounts, Buy-Sell agreement structures, and succession strategies. One integrated plan, not three separate products.
Implementation
Policies placed. Agreements funded. Continuity plan activated. From first call to full protection, typically 30 days.
The risk assessment is free. 20 minutes. No obligation. You'll leave the call knowing exactly where your business is exposed.
Book Your Free Risk AssessmentThe Cost of Waiting
Every month you wait is another month of exposure
You know a business that lost a key person. Maybe it was a competitor. Maybe it was in the news. The surviving partners couldn't fund the buyout. The family got nothing. The clients left. The business dissolved.
That doesn't happen because people are irresponsible. It happens because they kept putting it off. They said "we should really look into that" for the third year in a row. They meant to get to it after the busy season, after the next hire, after things settled down.
Things don't settle down.
This is not for every business
If your business depends on two or more people whose departure would cause real financial harm, keep reading.
If you don't act
Six months from now, you're still meaning to deal with it. Your partnership agreement is still unfunded. Your key people are still unprotected. And the risk is exactly the same, except now you've had six more months to worry about it.
If you take 20 minutes this week
You know exactly where you're exposed. You have a specialist matched to your industry. Within 30 days, every key person is covered, your buy-sell agreement is funded, and you've handled the one thing that could undo everything you've built.
Find out where your business is exposed
A 20-minute call to map your key personnel dependencies and identify protection gaps. No cost. No obligation. No generic pitch.
Book Your Free Risk Assessment20 minutes. Free. You'll leave knowing exactly what you need.