The balance sheet walks out the door every evening.
Property and liability protect what the business owns. These lines protect what it runs on: the team you need to keep, the owners it cannot continue without, and the income that makes all of it work. Placed plainly, sized to the obligation, never to a sales target.
What we cover
Group health and benefits
Medical, dental, and vision for the team: the benefit employees actually weigh when they decide to join or stay. We shop the small-group market honestly, tell you when a level-funded structure beats the fully insured quote, and rework the plan when renewal pricing stops making sense.
Life and disability
For owners and the people who depend on them: life coverage sized to real obligations, and disability that replaces income the way you actually live, not by a generic schedule. The question is simple and uncomfortable: if the income stopped for a year, would everything hold?
Executive benefits
The group plan treats everyone the same; retention does not work that way. Supplemental disability above the group ceiling, and selective benefit structures for the two or three people the business genuinely cannot lose, designed alongside your CPA and attorney, in their lanes and ours.
Key-person coverage
Some businesses have a person whose absence is the risk: the founder, the rainmaker, the one license everything runs through. Key-person coverage pays the business itself, buying the time to hire, transition, or wind down deliberately instead of in a panic. Where a buy-sell agreement governs succession, we make sure it is actually funded before it is ever needed.
What goes wrong
The unfunded buy-sell
A clean agreement, drafted years ago, that no policy stands behind. The trigger event arrives and the survivors discover the buyout is a promise with no money in it.
The benefits renewal on autopilot
Same plan, sharper price, every year, until the team's best people start quoting their offers from elsewhere. Benefits are a market like any other; they reward being shopped.
The one person nobody priced
Revenue concentrated in a founder or a single producer, and no coverage on the risk everyone privately acknowledged. The bank notices at the worst time: right when the loan covenants get re-read.
For your family's side of this (personal life, disability, and health coverage) see Celadon Private Client's Life & Health practice.
Tell us who the business depends on
We will tell you what it costs to protect them, and what it costs not to.
Start the conversation