Questions from business owners.

No. We provide strategy, assessment, and ongoing governance—but we don't sell policies or receive commissions. This lets us give recommendations based purely on what's right for your organization, without product incentives influencing our advice.

We work with LLCs, S-Corps, C-Corps, partnerships, professional practices, non-profits, and family offices. The common thread is organizations complex enough to need coordinated strategy—typically those with multiple owners, significant assets, or substantial insurance spend.

We work alongside your broker, not instead of them. We provide the strategic layer—assessment, design, and governance—while your broker handles policy placement and service. Many clients find this division of labor improves both relationships.

Business engagements start with an Entity Assessment ($2,500-$7,500 depending on complexity) followed by optional ongoing governance ($500-$2,000/month). Most organizations see ROI within the first year through coverage optimization and risk reduction.

A typical Entity Assessment takes 4-6 weeks from engagement to final presentation. This includes document collection, stakeholder interviews, gap/overlap analysis, and strategic recommendations. Ongoing governance begins after assessment completion.

Yes—this is one of our most common engagements. We audit existing buy-sell agreements against current valuations, model funding options (cross-purchase vs. entity-purchase), and design coverage that aligns with the agreement terms. We often find buy-sells that are technically valid but practically unfunded.

Absolutely. Business insurance intersects with tax strategy, entity structure, and contractual agreements. We coordinate with your existing advisors to ensure our recommendations align with their planning—and often improve outcomes for all parties.