Coverage Types
Income & Legacy Protection for Self-Employed Women
Disability insurance, business life insurance, and income protection strategies — the safety net you build for yourself when no employer does it for you.
The most overlooked part of any business protection strategy isn't about the business at all — it's about you. If you're the engine that drives your business, what happens to your income, your family, and your legacy if something happens to you?
Build Your Income Protection Strategy →Three Layers Every Self-Employed Owner Needs
Disability insurance for the self-employed
Employees often have disability coverage through their employer. Self-employed business owners have to build that safety net themselves. Short-term and long-term disability insurance replaces a portion of your income if an illness or injury prevents you from working — giving you time to recover without financial panic.
Business life insurance: protecting more than just your family
A business life insurance policy can fund a buy-sell agreement if you have a business partner, cover outstanding business debts so your family isn't left with them, or provide key-person coverage so your business can survive the loss of its most important person — you.
Cyber liability: the risk most small businesses ignore
If you store client data, process payments, or operate any kind of online platform, a data breach or cyber attack is a real risk — and it's not covered by general liability. Cyber liability insurance covers the cost of notifying affected clients, legal defense, and recovery.
Your Coverage Should Grow With You
The first 90 days are when most business owners are most exposed. We'll help you get the right foundational coverage in place quickly and affordably.
Adding employees changes your insurance requirements significantly — workers' comp, employment practices liability, and more. We'll walk you through it.
Leaving a job means losing employer-sponsored benefits. We'll help you replace your disability coverage, health insurance, and build a business protection strategy.
Whether it's a buy-sell agreement, key-person life insurance, or a retirement income strategy, we help you think beyond today's coverage to tomorrow's legacy.
