BUSINESS CONTINUATION & EXECUTIVE PLANNING · FOR SMALL BUSINESS OWNERS
Protect What You’ve Built.
Years of work shouldn’t depend on one unexpected event. We help small business owners put a plan in place for themselves, their partners and the key people who keep the business running, so the company can keep going if life happens.
Or call (414) 300-8333
Planning Built Around Your Business
PROTECTION
Key Person Life Insurance
If an owner or key employee passes away, the business can lose revenue, relationships and know-how all at once. Key person coverage is designed to:
Provide capital to the business if an owner or key person passes away
Help cover payroll, rent, debt and operating costs during a transition
Give you time to recruit, reassure customers and steady the business
SUCCESSION & BUY-OUT
Buy-Sell / Ownership Transition
A buy-sell agreement spells out what happens to an owner's share. Life insurance is one common way to help fund it. Planning can:
Help fund a buy-sell agreement between partners or owners
Support an orderly hand-off to partners, family members or employees
Help keep the business in the right hands and protect your legacy
INCOME & INJURY
Owner & Key Employee Protection
For many owners, the bigger risk isn't death but an illness or injury that keeps them off the job. Protection options include:
Disability income insurance: helps replace part of your income if illness or injury keeps you from working
Accident insurance: pays cash benefits for covered injuries
Critical illness insurance: pays cash benefits on diagnosis of a covered illness
Executive bonus and owner benefits: a way to reward and retain your top people
Supplemental and limited-benefit plans are a supplement to, not a substitute for, major medical coverage.
What Your Plan Creates
Continuity
Keeps the doors open and the team working through an unexpected loss or absence.
Liquidity
Puts cash where the business needs it, when it needs it most.
Control
Gives owners, partners and families a say in what happens next, instead of leaving it to chance.
Who It's For
These plans aren't only for big companies. We work with owners of all kinds of small businesses, including:
Retail shops and storefronts
Medical, dental and professional practices
Contractors and the skilled trades
Restaurants, cafés and hospitality
Marketing, creative and consulting agencies
Gyms, studios and service businesses
Family-owned businesses and partnerships
If your business depends on you, a partner or a few key people, it's worth a conversation.
Why Choose InjuryPlans.com
Executive-level planning, built for the size of your business.
Small Business Experience
More than 20 years in employee benefits, helping small business owners protect their companies and their people.
Independent & Licensed
An independent broker licensed in all 50 states, so recommendations fit you, not a single company's product list.
Hands-On Service
Direct, personal support from the founder, from the first conversation through every annual review.
How It Works
1. Free Planning Call
We learn about your business, your ownership structure, your key people and what you want to protect. There's no cost and no obligation.
2. Plan Design
We compare options and put together recommendations that fit your goals, your budget and your team, and we coordinate with your CPA or attorney where needed.
3. Implementation & Annual Review
We help you apply, get coverage in place and keep things organized. Each year we check that the plan still matches your business as it grows and changes.
Let's Talk About Your Plan
Whether you're a solo owner, have partners or have a growing team, a short conversation is the best place to start.
Prefer to talk now? Call (414) 300-8333
Frequently Asked Questions
Is my business too small for this kind of planning?
No. Smaller businesses often depend most heavily on one or two people, which makes continuation planning especially important. We work with solo owners, partnerships and growing teams.
What is a buy-sell agreement, and where does insurance fit in?
A buy-sell agreement is a legal contract between owners that spells out what happens to an owner's share if they die, become disabled or leave. Your attorney drafts the agreement. Insurance is one common way to help fund it. We work alongside your legal and tax advisors.
What's the difference between key person coverage and disability income insurance?
Key person life insurance generally pays the business if a key person passes away. Disability income insurance is designed to help replace part of a person's income if illness or injury keeps them from working. Many owners look at both.
Do accident or critical illness plans replace my health insurance?
No. Accident and critical illness plans are supplemental, limited-benefit plans. They pay cash benefits for covered events, and they're a supplement to, not a substitute for, major medical coverage.
Will this plan reduce my taxes?
Tax treatment depends on your specific situation and how a plan is structured. We don't give tax or legal advice, so please review any plan with your CPA or attorney. We're happy to coordinate with them.
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Supplemental and limited-benefit plans (including accident, critical illness and disability income coverage) are a supplement to, not a substitute for, major medical coverage.
NPN #7335986 | CA Lic #4116908
Benefits, limitations and exclusions vary by plan and state. Products may not be available in all states. Coverage is subject to underwriting and the terms of the policy issued. Life insurance and business-planning concepts described on this page are for general information only and are not tax or legal advice; consult your tax and legal advisors.