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Business Continuation Insurance

Owners and partners in business must safeguard their interest against a catastrophic event. Business continuation insurance provides a pre-determined framework for payout and succession in the event that a key person dies or is disabled. It prevents the surviving partners from being forced to accept the deceased’s beneficiaries as a new ongoing business partner, as well as mitigating the chance of expensive & contentious litigation over the value of the business.

Key Man Life or Key Man Disability Insurance

Key man insurance (also known as key person or key employee insurance) is a life or disability insurance policy that a business buys to protect the life and ability of employees whose contribution to the company is essential. If these key employees, such as top salespeople, executives or business owners, were to die or become disabled, their contribution to the company would disappear, and the business would suffer a large, possibly fatal, economic loss.

Buy-Sell Life and Buy-Sell Disability Insurance

Owners and partners in business must safeguard their interest against a catastrophic event. A buy-sell agreement provides a pre-determined framework for payout and succession in the event that a key person dies or is disabled. Most significantly, it prevents the surviving partners from being forced to accept the deceased’s beneficiaries as a new ongoing business partner, as well as mitigating the chance of expensive & contentious litigation over the value of the business.

Long Term Care

Long-term care insurance is a way for you to receive whatever care you need if you are ill or disabled for a long period of time. Long-term care insurance protects your assets against the high costs of care at a nursing home or assisted-living facility, or help from a home health worker.

Kidnapping and Ransom Coverage

Kidnapping and Ransom insurance policies provide coverage in the event of a kidnapping. The policy typically includes coverage for monies paid to kidnappers or extortionists, loss of ransom in transit, and other expenses incurred as a result of a kidnapping.