Small Business
You built it. Now make sure one bad day can't take it.
Most of my professional background is business to business. If you are a business owner trying to figure out what coverage you actually need, I speak that language.
Every risk below has ended real businesses, and every one of them is coverable. Here’s what small business protection looks like, line by line.
The people your business can’t run without
Life & health insurance protects your business from the financial impact of losing a partner, a key employee, or yourself. It can fund buy-sell agreements, cover business debts, and keep your operation running when the unexpected happens. Health coverage for your team keeps healthy people productive.
The property your business runs on
Property & casualty coverage protects your physical location, your inventory, your vehicles, and your liability exposure. One lawsuit or one fire without the right coverage can end a business that took years to build.
The digital systems everything depends on
Cybersecurity insurance is the coverage most small businesses don’t think they need until after a breach, and small businesses are targeted more often than large corporations. Breach response, legal liability, customer notification, lost income, recovery costs. If you handle customer data or process payments, this conversation is worth twenty minutes of your time.
The legal questions you sit on because lawyers are expensive
LegalShield business plans cover contract review, collection assistance, debt collection letters, and the routine legal work that adds up fast at hourly rates, with a 25% member discount when something bigger comes up.
Where do your gaps start?
That’s what the first conversation is for.
Not sure which coverages your business actually needs? The free five-minute needs analysis maps your gaps before we ever talk.
Call or text: 435-632-6399
Where to start
One straight conversation
Tell me what your business does, who it depends on, and what would hurt most if it stopped. I’ll help you figure out where your biggest gaps are and what makes sense to address first, and what can wait.
There is no pressure and no obligation.
Not sure what you need?
No pressure, no obligation, just a straight conversation about where you stand and what your options are.