Business Insurance Solutions

Trusted Business Planning Strategies

Since 1950, we have been a trusted partner, helping our clients with strategies to protect & preserve their business, retain & reward valued employees, and –when the time comes– to transition the business to meet the owner’s goals.

It all starts with understanding where your business is today…and where it’s positioned to go tomorrow. What keeps you up at night? Is it cash flow, liability exposure, or retaining employees? Are you wondering how you walk away some day? We can help you think through these questions. After all, we’ve been through a lot of this ourselves in 75 years and three generations.

CGIA_IMAGES_PERSONAL_BUSINESS_MASTER_IMAGE4_BUSINESS_Protection

Business Protection Strategies

Fundamental tactics to keep the business running smoothly

These are fundamental tactics focused on ownership to keep the business running and protect your family in times of uncertainty and stress. We review your buy/sell agreements to spot structure and valuation traps or gaps in protection. We can also explore ways to fund your overhead if an owner is disabled.

Key Employee Retention & Protection

Customized strategies to keep key organizational talent for the long haul

Good talent is hard to find and even harder to keep. We help you craft custom tailored, individually targeted retention plans that keep your key talent from leaving. We also implement strategies to protect your business from the loss of key team members in your organization.

Executive Compensation Strategies

Specialized benefits for company executives and management

A robust offering of specialized benefits for executives is necessary to address disadvantages in qualified plans. This can include company paid individual disability above group maximums, long term care plans, life insurance benefits or special non-qualified retirement plans. We can help design and implement strategies that fit your budget and your targeted executives.

Business Transition Planning

Planning for owner retirement or ownership transition

We understand every owner’s goals are unique and fluid based on where they are in both their business and personal life. We work with you to explore strategies that meet your goals, protect you and your family’s financial interest, and ensure a peaceful, orderly transition.

Buy/Sell Agreements: A Foundational Tool for Your Business

You know how you started the business with your partners, but do you or your family know how to get “out” of business with them? Buy/Sell agreements are a staple for protecting business owners in the event of pre-defined events like death, disability, retirement, or divorce. In some family owned businesses, Buy/Sell agreements may even restrict ownership to bloodline relations. From simple to complex, we can work with you and your legal team to ensure your arrangement fits your business structure and gives you the protections that fit your needs.

Want to Learn More?

Explore More:

Personal Insurance | Business Insurance | Family Office & RIA