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Business Interruption Management


It is crucial to weave a financial safety net to ensure your business can continue, even if you’re not around and also to protect the company and personnel from any unforeseen negative events.




(ACC research in 2008 - 1880 businesses ceased operations due to an injury to the owner or key person in the business).



Business Continuity

Options Fidelity : Business Expenses  Sovereign : Business Continuity Sovereign : Start up Business Insurance Partners Life : Business Protection OnePath : Business Assurance

If You’re a Small-Business Owner

What would happen to your business if you, one of your fellow owners or a key employee died tomorrow?


A life insurance policy can be structured to fund a buy-sell agreement. This would ensure that the remaining business owners have the funds to buy the company interests of a deceased owner at a previously agreed upon price. That way, the owners get the business and the family gets the money.


To protect a business in case of the death of a key employee, key person insurance, payable to the company, provides the owners with the financial flexibility needed to either hire a replacement or work out an alternative arrangement.