The Framework
Entity-level risk architecture.
Business insurance requires a different mental model than personal coverage. The Private Reserve Business Framework treats your organization as a capital system—where insurance, cash reserves, and risk tolerance are coordinated intentionally.
Four Protection Layers
Business insurance can be organized into four distinct layers, each serving a different purpose in your overall protection architecture.
Entity Liability
Protection for the organization itself—general liability, professional liability, D&O, employment practices.
Key Person & Succession
Coverage tied to critical individuals—owners, partners, key employees whose loss would impact operations or value.
Property & Operations
Protection for physical assets and business continuity—property, equipment, business interruption.
Employee Benefits
Coverage provided to employees—health, life, disability. Often the largest insurance spend for growing organizations.
Governing Principles
These principles guide how we approach business insurance strategy.
Capital Before Coverage
Before asking "what coverage do we need?", we ask "what capital position makes sense?" Insurance is one tool for managing risk—but not the only one.
Entity Structure Matters
An LLC has different risk exposures than an S-Corp. A partnership has different needs than a sole proprietorship. Strategy must match structure.
Personal & Business Intersect
For most business owners, personal and business risk are deeply intertwined. Coordinating both—rather than treating them separately—creates better outcomes.
Governance Is Required
Organizations change faster than individuals. Without active governance, business insurance becomes obsolete within 2-3 years.
Ready to apply the framework to your organization?
The Entity Assessment maps your current coverage against this framework, identifying gaps and opportunities.