Key Man Insurance
Coverage that keeps your business stable if a person critical to its survival dies or can no longer work — continuity for employees, customers, and creditors.
The exposure
In many businesses, one or two people are irreplaceable — an owner, a top producer, a technical lead. If they're suddenly gone, revenue, relationships, and lender confidence can collapse at once. Key man insurance buys the business time and stability.
How it works
The business owns a policy on the key person and is the beneficiary. If the worst happens, the proceeds fund operations, recruit a replacement, reassure creditors, and protect the company's value through the transition.
Sized to the real risk
We assess what the loss of a key person would actually cost — in revenue, debt obligations, and continuity — and size coverage to match, rather than to a generic formula.
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