Key Man Insurance

After years of saving and hard work, you've finally reached the point where your small business is finally making a profit. You also have a key employee who can successfully run the business, allowing you the luxury of finally being able to relax and enjoy the benefits of ownership. Although you've asked yourself many times what you would do without this employee, it's probably not something you've ever given a second thought, right?

What would you do if your key employee suddenly became disabled or died? Just like that, years of hard work can disappear as you watch your business face financial ruin or bankruptcy. Don't allow yourself to be part of this scenario! Having the right type of key man insurance can protect you from the type of catastrophe mentioned above. We can provide you with the type of insurance you need to protect you, the employer, from financial, business and other risks. Don't put yourself in a position where you could lose everything you've worked so hard to obtain - give us a call and let us protect you and your business!

How Does Key Man Insurance Work?

Generally found in small businesses, a key man or key employee is an individual who makes a substantial contribution to the business and whose value would be felt in his or her absence. In the case of the death or disability of a key employee, key man insurance can help your business in several ways. Unlike personal life insurance that pays premiums to the deceased's family members, key man insurance pays the death benefit to the employer. You can use the money to pay off debts, buy out the key man's shares in the company, find a replacement employee or pay expenses to avoid bankruptcy. Additionally, you can use the money as a supplement for the deceased's family members.

We Offer the Right Protection for Your Business

We have the type of protection you need! You should not have to worry about losing your business in the unfortunate event of losing a main employee, and we can offer the protection you need so you'll never be in this situation. Give us a call and see what we can do for you. It's a very simple process, but one that can make all the difference to the longevity of your business. After appraising your key employee (s), we'll inform you about the cost of the premium, which is based on his or her health, age and salary.

When you're part of our "insurance family", you'll never be just an id or policy number to us. We offer personalized service, great customer service and staff that are always available to answer any questions or concerns you may have. You'll find that not only are our premiums affordable, but that you can't really afford to NOT have key man insurance!

Don't Risk Your Business!

So often we read or hear about some disaster or another taking place and our first reaction is to wonder if the individual had insurance. Don't make the mistake so many others make of feeling they don't need insurance until they actually do need insurance, only to discover it's too late. It only takes a few seconds to fill out the quote form. Filling out the form has you under no obligation, but has you well on your way to getting the key man insurance you need to guarantee protection for you and your business. So, don't waste another minute - fill out and submit the form and let us start giving you're the protection and security you deserve!