Risk Management and Insurance

Risk Management = Wealth Protection. Implementation of risk management and insurance strategies can significantly reduce exposure and give you greater peace of mind.

To protect your business, family and property from unexpected circumstances, Family Business Office will:

• Proactively manage risk associated with your property and possessions

• Analyze your current insurance coverage and exposure to risk

• Identify insurance solutions consistent with your objectives

• Coordinate the implementation of selected solutions

Life Insurance has its place – when you’re facing a risk that could bankrupt you or force you to borrow heavily. In such a case, you need to carefully identify the risk, then find the most economical way to cover it.

For temporary needs, such as providing cash reserves to sustain the family in the early years and ensure funding for college etc…, we emphasize level premium, term life insurance. It’s the best bargain in insurance today.

For permanent needs, where cash values need to be built – such as for estate and company coverage – we specialize in low-load (no commission) insurance. This affords the client with flexibility if laws or needs change.

Family Business Office has access to many quality carriers, including a number of companies which will insure normally-uninsurable individuals. We are also licensed to handle disability and long-term care needs.

We will analyze your business insurance (property and casualty) coverage, then transition the implementation to independent agents. We have access to specialists who can provide coverage to insure items such as aircraft or horses.

We can work with your current agent, or analyze your current situation and recommend alternatives, for a fee.