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Business Protection

Because your business deserves a safety net.

You’ve worked hard to build your business — but what happens if the unexpected happens? Business protection ensures your company survives and thrives, even through life’s curveballs.

Because your business deserves a safety net.

From key person insurance to succession planning, we help ensure your business survives unexpected challenges and thrives for years to come.

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Key Person Insurance

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Protects your business if a key employee, founder, or owner becomes ill, disabled, or passes away.

Why it matters:

  • Losing a key person can mean lost revenue, lost clients, and difficulty attracting investors.

  • This coverage provides funds to replace expertise, stabilize finances, and reassure stakeholders.

Did you know?
📊 In Canada, many small businesses close within a year of losing a key owner or manager because they didn’t have protection in place.

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Cross-Purchase (Criss-Cross) Insurance

Protects business partners by funding the purchase of each other’s shares if one partner passes away.

Why it matters:

  • Without a plan, surviving partners may not have the money to buy out the deceased partner’s shares.

  • The deceased partner’s family could end up with ownership stakes but no business experience.

Example:
Two partners each own 50% of a business. If one dies, insurance pays the other partner tax-free funds to buy the deceased partner’s shares — ensuring business continuity and financial security for the family.

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Business Continuity Planning

Helps your business keep running when the unexpected happens.

  • Covers costs of maintaining operations.

  • Provides confidence to lenders, suppliers, and clients that the business will continue.

Did you know?
🔍 Many lenders in Ontario require proof of a continuity plan before approving major financing.

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Buy-Sell Agreements

Ensures smooth ownership transitions and that the right people are financially secure.

  • Establishes how ownership is transferred if a partner dies, becomes disabled, or exits.

  • Provides liquidity to fund buyouts, avoiding forced sales of business assets.

Did you know?
💡 Without a Buy-Sell Agreement, family members may inherit shares but be forced to sell quickly — often at a fraction of their true value.

Ask us how a simple plan today can save your business tomorrow — and protect everything you’ve worked for.
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