Small Business Insurance 101

Your business is our business

Business Planning
Whether you’re thinking about launching a new business or planning to expand an existing one, my team and I can help you create, grow and protect your business’s value.  We’ll work with you to develop a personalized financial plan with solutions designed to meet the unique needs of your business, with strategies to:

• Integrate all aspects of financial planning for your business and your personal life to ensure success on both fronts.
• Minimize risk by being prepared for the unexpected.
• Safeguard your business with coverage to help offset the loss of cash flow if you become sick or hurt.
• Recruit and retain employees with competitive benefits programs.
• Enhance your benefits programs to reward employees who are key to the success of your business.
• Transition your business smoothly with a properly designed and funded business succession plan.

From initial startup to eventually passing your legacy to your children, we're here to help you at every stage in your business cycle. From protecting against risk and managing growth, to attracting and retaining new employees, our business services will be there to guide you.
Employee Benefits
One of the biggest challenges faced by business owners today is the need to recruit, retain and reward talented employees. A well-designed benefit package can give you a competitive advantage of keeping your employees satisfied.
My team and I can help you design a quality, affordable benefit plan that may include features such as:

• Group health insurance
• Group life insurance
• Group disability income insurance
• Dental insurance
• Vision insurance
• Flexible spending accounts
• Qualified retirement plans such as SEP IRA or 401(k) plans

 Call me so you can learn more about how our team of specialists can help you design a competitive package that can attract and retain top talent. 
Employee benefits are an important part of the growth of your business. Employee benefits can cover owners, key employees and employees. They provide a solid foundation toward financial security. The complexity of offerings can make it difficult to navigate the ever-changing landscape. Work with our team of specialists to design a competitive package that can attract and retain top talent.
Group health, dental, vision and life insurance can give your employees the financial security they need while contributing to the success of your business. Group disability income insurance provides a foundation of short-term and long-term income protection for your employees. If an employee leaves, he or she may have an option to convert a portion of the coverage to a personally owned policy.
Individual disability income insurance provides long-term portable income protection that stays with your employees no matter where they work. It can complement group coverage by offering additional income protection and security.
Qualified retirement plans, such as defined benefit pension, SEP IRA, SIMPLE IRA, 401(k), and profit-sharing plans, can have a profound impact on the long-term financial well-being of your employees.
Long-term care: A long-term care plan can help your employees protect their financial futures. If one of them developed a chronic illness, disabling condition or cognitive impairment, a long-term care plan can provide extended care at home, in the community or in an assisted living or nursing home facility.
Keep Your Business Running in the Event of Disability
Like most entrepreneurs, seeing your business grow and succeed is the fulfillment of a lifetime goal. But what would happen to it if you became disabled? Would the business be able to continue without you?  Unfortunately, overhead expenses don't stop if a disability causes your business's income to be drastically reduced or even stop. Disability overhead expense insurance reimburses certain business expenses to help keep your business running.

Protect Your Business Against the Loss of Yourself or a Key Employee
You can't prevent the sudden loss of a key contributor to your business, but you can minimize the impact felt by disability or death—with key person insurance.
Key person life and key person disability insurance pays benefits directly to your business at a time when it's needed the most. Businesses frequently use the proceeds to hire and train a replacement and to cover potentially increased costs and loss of cash flow.
Key person insurance may also be used as an incentive to proactively recruit and retain valued employees. Under certain circumstances, employers may offer the cash value of a life insurance policy to a key employee in return for a commitment to stay with the company for a designated period of time.