All successful companies, irrespective of size, have key personnel as the foundation driving success.
What happens if your rainmakers become disabled?
We place High-Limit Key Person Disability for Private and Public Companies, Attorneys, Physicians, Athletes and Entertainers.
An attomey’s ability to earn a substantial income is their biggest asset and should be protected as such. However, traditional insurers are often unwilling or unable to meet the income replacement needs of those in the law profession. Law firms are also at risk of losing their most valuable employees and partners to a serious disability.
We offer solutions to mitigate these risks, providing High-Limit Disability Solutions for Law Firms and Attorneys above and beyond what traditional insurers provide. High-Limit Key Person and Buy-Out Disability coverage is also available.
You’re high up on the stat board, draft board, or leader board. Strenuous demands on your body require unique insurance coverage to protect your affluent lifestyle. We provide coverage to professional and top college athletes to protect potential future earnings or non-guaranteed contracts. Contract coverage is also available for teams or sponsors looking to protect their most valued players.
Owners create a foundation of human capital that drives the success of a company. What happens to your company if one of the partners is disabled and their expertise is lost? High-limit Disability Buy-Sell policies exist to protect Private and Public Corporations, Law Firms and Medical Professionals from the risk of a Career-Ending Owner Disability.
A doctor’s ability to earn a sizeable income is predicated on the ability to see patients, perform surgery, and further their education. Traditional insurers often fall short of the replacement ratios necessary to adequately protect a doctor’s income.
We implement High-Limit Disability Solutions for medical professionals.
We understand risk and appreciate those who put it all on the line. We place both personal and corporate Accidental Death and Dismemberment coverage as an alternative or supplement for people who cannot obtain sufficient amounts of traditional life insurance. Accidental Death and Dismemberment can be written for individuals undertaking such avocations as race car driving, piloting, scuba diving, and mountain climbing. War Risk coverage is also available for contractors working and living in high-risk locations, anywhere in the world.
With compensation levels rising to all-time highs, companies often struggle to adequately insure the income of their highest earning employees. We place corporate coverage to supplement a company’s in-force disability insurance program. Coverage is also available in situations where traditional carriers will not participate.
We’re able to coordinate the underwriting of Multi-life policies with a simple as a short-form application and a company census of employees
Hedge Fund managers rely on their unique skill set and knowledge to make the right investment choices. An unexpected disability striking a high caliber manager often results in a catastrophic loss to the funds managed, and the manager’s personal wealth.
We understand that Hedge Fund managers require unique solutions when it comes to protecting their wealth and prosperity and further provide specialized products to suit those needs.
Business Overhead Expense coverage is designed to reimburse a business for overhead expenses should the owner experience an unforeseen disability. Overhead expenses can mount quickly, especially for highly successful businesses leveraged off of a single entrepreneur. Securing a Business Overhead Expense policy provides equity protection and needed funds during a time of great distress.
Your ability to earn a sizable income is your biggest asset, yet it is often taken for granted. Traditional insurers are often unable to meet the income replacement needs of high-earners in the event of a disability. We place High-limit Disability Income Coverage for our very affluent clientele. Coverage is available above and beyond what traditional, US-Based insurers offer.
Private Equity Firms rely on experienced executives to drive the success and revenue of their acquisitions. An unexpected disability striking a high caliber leader often results in a catastrophic loss to the company’s bottom line.
We understand that Private Equity Firms and their managers require unique solutions to protect the success and prosperity of their portfolio companies. We provide specialized products for both the Private Equity professional and the Portfolio Company Executive in the event of a disability.
In the fast-paced world of business transactions, it is important to have insurance coverage readily available for contractual situations which present an urgent need to cover death or disability risks. We place Contractual Performance Indemnity coverage for such needs. Contractual Performance Indemnity coverage is underwritten for corporations in order to protect contractually obligated values, in the event of a death and/or disability of one of the parties to the contract.
Many business ventures require considerable capital input to generate large amounts of revenue. Securing a loan can provide a business the leverage it needs to turn a large profit. Due to the potential risk of disability, numerous institutions are hesitant to provide large loans to individuals in fear the loan will not be paid back.
We offer a solution by coordinating the insurance of high limit loans in the event the individual paying the loan becomes disabled and can no longer make payments. We understand how to make the risks associated with high limit loans worth the rewards.
The entertainment industry has signicficant risk management exposures that require a special approach and expertise. Actors, actresses, musicians, and entertainers cannot obtain adequate insurance coverage from traditional carriers. Additionally, film studios, record companies, and event planners rely on the abilities of their top performers to generate revenue.
We place unique Personal and Contractual High-Limit Insurance Solutions for the entertainment industry..
Corporate executives, business owners, celebrities, and athletes traveling around the globe for business or pleasure are potentially at risk to be kidnapped for ransom. Kidnappings of the affluent are on the rise worldwide, as many radical groups and criminal organizations perform these dreadful acts for profit. We place Kidnap and Ransom insurance coverage to help mitigate this risk while working with the world’s leading crisis management response groups to help provide a safe and peaceful solution to a frightful experience.