Case Studies
How organizations transform their coverage.
Real examples of how businesses moved from fragmented, compliance-driven insurance to coordinated, strategic coverage design.
Manufacturing LLC
$2M revenue, 15 employeesThree owners with no buy-sell agreement. Personal guarantees on equipment loans. GL and property coverage shopped annually for lowest price.
Entity assessment revealed $1.2M in personal exposure. Designed coordinated buy-sell with disability coverage. Restructured property coverage to eliminate gaps.
Reduced total premium by 12% while adding $500K in coverage. Buy-sell now funded for all three scenarios (death, disability, voluntary exit).
"We had no idea how exposed we were personally. The assessment was eye-opening."
Medical Practice
Multi-physician group, $5M revenueFour partner physicians with mismatched malpractice limits. No tail coverage planning. Buy-sell underfunded by $2M.
Coordinated professional liability across all partners. Modeled tail coverage scenarios for retirement planning. Restructured buy-sell funding.
All partners now carry consistent limits. Tail coverage budgeted into each partner's retirement plan. Buy-sell funding matches current valuations.
"We thought our partnership agreement covered everything. It didn't cover any insurance requirements."
Community Foundation
501(c)(3), $3M annual grantsBoard members unaware of personal D&O exposure. Volunteer events with no coverage protocols. Grant compliance requiring specific certificates.
Board education session on D&O liability. Designed volunteer and event coverage framework. Created certificate request workflow for grants.
Board retention improved after D&O education. Event coverage now automatic. Grant compliance streamlined.
"Our board members were donating their time without understanding their risk."
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