Protection built for business owners. From gas station to generational wealth.
Small business owners wear every hat — but most have never had a real conversation about what happens to the business if the owner can't show up tomorrow. We fix that, quietly and compliantly.
Illustrative only. Not a projection or guarantee.
The four risks business owners rarely plan for.
Losing your top income earner
If a key person leaves, key-person coverage keeps the business running while you recover and reorganize.
What happens to the business if you die
Buy-sell agreements funded with life insurance keep ownership transitions clean — and the family paid fairly.
A bad quarter wipes out cash
Business Overhead Expense coverage keeps rent, payroll, and lease payments flowing if you're sidelined by illness.
Retirement planning without a W-2 playbook
SEP IRAs, Solo 401(k)s, non-qualified deferred comp, and IUL — we coordinate the right mix for owner compensation.
Protection shaped around your industry.
Hospitality
SBA 7(a) loan protection, key-person on the GM, seasonal cash flow, partner buy-sell.
ExploreGas & C-Store
Family business succession, multi-location coordination, owner life + DI + overhead.
ExploreLiquor & Specialty Retail
Inventory-heavy risk, cash-handling, license transfer, succession planning.
ExploreRestaurants & Food Service
Owner-operator protection, personal guarantees on leases, equipment financing.
ExploreGeneral
Universal owner planning — life, disability, overhead, retirement, and succession.
ExploreFive steps. No pitch deck.
- 01
Discovery
Understand the business, the owners, and where the risk actually lives.
- 02
Risk Assessment
Quantify what a death, disability, or departure would cost — in dollars.
- 03
Structure
Design the right buy-sell / key-person / overhead / retirement combination.
- 04
Fund
Source carriers, underwrite, and place the coverage at the right economics.
- 05
Review
Annual check-ins so the plan ages with the business, not against it.
Ready to pressure-test your business plan?
Fifteen minutes. One call. Walk away with clear answers and no commitment.
Pick your industry to get specifics
Buy-sell funding, key-person coverage, and 162 plans look different for restaurant owners vs. medical practices. Pick your industry and we'll show the exact playbook.