Corporate Insurance
Corporate insurance helps business owners protect their company, partners, employees, debts, and long-term succession plans. It can also support tax-efficient planning when structured properly with professional advice.
Best For
Incorporated professionals
Partnerships
Business owners
Family-owned businesses
Companies with key employees
Business owners with retained earnings
Additional Plan Details
Common Uses
• Key person protection
• Buy-sell funding between shareholders
• Corporate-owned life insurance
• Debt protection
• Estate equalization
• Business succession planning
• Employee benefit planning
Quick Questions Clients Should Ask
• What happens to the business if an owner dies or becomes disabled?
• Do shareholders have a funded buy-sell agreement?
• Are business loans personally guaranteed?
• Should insurance be personally owned or corporately owned?
• Is there a tax-efficient way to transfer value to heirs?
• Are employee benefits competitive?
Common Mistakes
• Having a shareholder agreement without proper insurance funding
• Not reviewing corporate-owned policies with an accountant and lawyer
• Ignoring disability risk for owners
• Not coordinating insurance with business debt
• Waiting until a health issue affects insurability
Types of Corporate Coverage
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Protects the business if an essential owner or employee passes away or becomes seriously ill.
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Provides liquidity to fund a shareholder buyout on death or disability.
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May help with business protection, estate planning, and tax-efficient wealth transfer.
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Helps attract and retain employees through health, dental, life, disability, and other benefits.
Protect Your Business. Plan for the Future.
Book a corporate insurance review to assess business protection, shareholder planning, and long-term succession needs.