Services
Business Insurance
Protect your business, your team, and your bottom line.
Whether you're a solo entrepreneur or you employ a team, the right insurance protects the business you've built — from group benefits that help you attract and keep good people, to coverage that protects the business itself if something happens to a key partner or owner.
Who this is for
- Small business owners looking to offer group health & dental benefits
- Partnerships wanting a buy-sell agreement funded by life insurance
- Businesses that depend heavily on one or two key people
- Incorporated professionals looking at insurance as part of a broader financial plan
Plan types
Ways to get covered
Business Insuranceisn't one-size-fits-all. Here's a closer look at the main ways this coverage is structured — we'll help you narrow it down to what fits your situation.
Group Health & Dental Benefits
Employee benefit plans covering drugs, dental, and paramedical care, scaled to fit businesses from a handful of employees to larger teams — a key tool for attracting and retaining staff.
Key Person Insurance
Life or disability coverage owned by the business on a critical owner or employee, providing funds to cover lost revenue, recruit a replacement, or repay debt if that person is suddenly unable to work.
Buy-Sell Agreements
Life insurance funding tied to a shareholder or partnership agreement, so a departing partner's family can be bought out fairly, without forcing a fire sale of the business.
Business Overhead Expense Insurance
Covers fixed operating costs — rent, utilities, salaries — if an owner is unable to work due to a disability, keeping the business running while they recover.
Group Life & Critical Illness Benefits
Employer-paid or cost-shared life and critical illness coverage for employees, often bundled into a broader group benefits package.
Disability Insurance for Owners
Personal income protection for owners and incorporated professionals who don't have access to an employer's disability plan.
Protect your business, your team, and your bottom line.— compared across multiple insurers, so you see real options instead of a single company's product list.
Good to know
Things worth understanding upfront
Group plans scale down further than most owners expect
Plans exist for teams as small as two or three people, not just larger companies. Structuring the plan around a realistic budget is usually more important than the number of employees.
Buy-sell agreements need to be reviewed as the business grows
The insurance funding a buy-sell agreement should be revisited as the business's valuation changes — an agreement funded years ago may no longer reflect what a fair buyout actually costs today.
Coordinate with your accountant on structure and tax treatment
How a policy is owned (personally vs. corporately) and how premiums are paid can affect tax treatment. We work alongside your accountant so the insurance piece fits your broader financial plan.
Common questions
Frequently asked questions
Plans can be scaled to fit businesses of almost any size, including very small teams. We'll help you find a plan structure that fits your budget while still offering meaningful coverage.
Ready to find the right coverage?
Tell us a bit about what you need and we'll put together options from multiple insurers — no cost, no obligation.