You've worked hard to build your business and want to protect it. Like many companies, yours may be heavily dependent on you or a few others for success. Being proactive can help ensure your firm is protected from the loss of any key individual and can continue if the unexpected happens. Using insurance as a part of your business plan can also help provide for your family after your lifetime.

Employee benefit programs and group medical plans are critical to small and mid-sized companies being able to recruit, retain and reward talented employees. Because the Affordable Care Act (ACA) has resulted in more complexity and an ever-changing landscape of benefit plans and regulations, businesses need specialized guidance to assist with the design of cost-efficient programs. Expect our insurance executives to provide you with meaningful options and represent you when negotiating coverage details. You will also have access to online resources to assist with employee onboarding and plan management.

Life, long-term care and disability insurance are key to planning for the future. Life insurance can help protect loved ones from financial hardship and help maintain their lifestyle when a death occurs. Disability insurance can safeguard an income stream until you return to work. A third tier of lifestyle protection is long-term care insurance for home and facility care. People are living longer than ever before and need to prepare for these quality-of-life issues with suitable services that help maintain the desired lifestyle and standard of care for all.

Business insurance strategies are unfamiliar to many business owners but needed by almost all. Did you know these can help fund business succession plans, provide individual supplemental retirement income and more? If the success of your firm is highly dependent upon one or more key people, it's important to be proactive. You can help attract, retain and protect again the unexpected loss of these employees by implementing strategies that include Key Person Insurance, Buy/Sell Agreements, Executive Benefits & Deferred Compensation Plans.