Business Insurance
Protecting what took years to build.
Whether your business is large or small, it took an enormous amount of effort to get it where it is. The right cover keeps an unexpected event from undoing that.
Most business risk that insurance can address comes down to a few questions. What happens to the company if a key person dies or becomes disabled? Can the surviving owners buy out a departing partner's shares without selling assets? Do the overheads keep running if the owner cannot work for six months?
An advisor can work through those with you and design cover around the answers, alongside your accountant and lawyer where a shareholders' agreement or corporate structure is involved.
What we can arrange
- Key person insurance — life and disability
- Business buy/sell agreement funding
- Business overhead expense insurance
- Business succession planning
Corporate-owned insurance has tax consequences that depend on your structure. We work with your accountant and legal advisors rather than replacing them.