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