Your business is more than a balance sheet—it’s your livelihood, your team’s security, and a major part of your family’s wealth. Business owner and corporate insurance puts protection around those pillars so a health event, partner’s death, or market shock doesn’t undo years of work. We help owners design a smart mix of coverage that safeguards cash flow today and supports tax-efficient growth and succession tomorrow.

Who It’s For

• Incorporated entrepreneurs and professional corporations With retained earnings to protect.
• Partnerships and multi-shareholder companies That need clean buy–sell funding.
• Owner-dependent firms Where the founder drives revenue, relationships, or IP.
• Teams with star performers Whose absence would materially impact revenue.
• Family businesses Planning intergenerational transfer or eventual sale.

Solutions We Use

• Corporate-owned life insurance: Provides a tax-efficient death benefit to the corporation; may credit the Capital Dividend Account (CDA) so proceeds can be paid to shareholders tax-free (subject to rules).
• Key person insurance (life & critical illness): Replaces the economic value of a pivotal leader or specialist to fund hiring, retention bonuses, and lost-profit buffers.
• Buy–sell funding (life/CI/DI): Ensures your shareholder agreement can be executed with cash on hand—no frantic borrowing.
• Disability income & overhead expense: Replaces the owner’s income and covers fixed business costs during a disability, protecting personal and corporate credit.
• Group benefits & health spending strategies: Attract and retain talent with a cost-controlled plan that suits your cash flow.
• Creditor and loan protection: Align coverage with banking covenants and capital plans.

How Corporate Insurance Works

Policies can be owned by the corporation or personally, depending on the goal. Premiums, beneficiaries, and tax treatment differ—so we map ownership to outcomes (succession, estate, or working-capital protection). For corporate-owned life insurance, the corporation receives the benefit; any CDA credit can allow tax-free distributions to shareholders. For buy–sell needs, each shareholder’s life/health event triggers funding according to your agreement, ensuring a smooth transfer at a pre-agreed valuation.

Our Process

1. 1.Risk & cash-flow review: People, roles, debt, covenants, and key revenue drivers.
2. 2.Agreement alignment: Audit or help structure buy–sell terms with your lawyer so insurance mirrors the contract.
3. 3.Design & pricing: Side-by-side options (life/CI/DI) with transparent costs and ownership structure.
4. 4.Implementation: Underwriting, beneficiary setup, and policy integration with your banking and legal files.
5. 5.Annual maintenance: Update coverage as valuations, shareholders, or lending change.