Commercial/Business Insurance

One of the first responsibilities you want to consider is how to protect against events that may threaten the future of your business, beyond the basic property/casualty protection.

• Control Ownership with a buy-sell agreement
• Protect against a disability and keep your business afloat and cover expenses like employee salaries, taxes, employee benefits, rent, mortgage, utilities and equipment
• Take advantage of tax deductions, which can help you have access to more capital you need to help grow your business (this is not tax advice - please seek the advise of a professional tax advisor for your personal situation) 

Are you doing the most you can to reward your key employees?  As a business owner, you are often challenged to find ways to do something extra to retain valuable employees and attract new talent. 

• Executive bonus plans - offers important financial protection, such as income replacement, college funding, estate liquidity and supplemental retirement. 
• Deferred compensation plans - help your employees save income taxes now while building cash for the future.
• Benefits for employees - supplement or fill in the gap of current benfit packages with voluntary coverage for life insurance, disability income insurance, critical illness insurance and other products

You may want to stay in your business for 5, 10, 20 or more years.  But if adversity strikes or you decide to embark on a new adventure, do you have a plan in place to help protect employees, business partners, and family members? Here are some things to consider:

• Who's going to run your business? 
• How will you exit your business if you decide to retirement, sell the business, or work fewer hours?
• Do you know what your business is worth?