Insurance & Protection
Protect Against the Loss of Key People.
Key-man insurance safeguards your business from the financial impact of losing critical personnel — covering lost revenue, recruitment costs, and business continuity.
Schedule a ConsultationWhy Key-Man Insurance
Your Business Depends on Key People
The unexpected loss of a founder, CEO, or critical employee can devastate a business. Key-man insurance provides a financial buffer to manage the transition — covering lost revenue, recruitment costs, and maintaining stakeholder confidence.
Our Services
Key-Man Insurance Advisory
Key Person Identification
Identify individuals whose loss would materially impact business operations.
Coverage Calculation
Determine appropriate coverage based on the key person's contribution to revenue and operations.
Policy Structuring
Structure policies with the business as owner and beneficiary for optimal tax treatment.
Succession Integration
Coordinate key-man insurance with business succession and buy-sell agreements.
Our Process
How We Approach Key-Man Insurance
Impact Assessment
Quantify the financial impact of losing each key person.
Coverage Design
Design coverage amounts and policy structures for each key person.
Policy Placement
Place policies with appropriate coverage and competitive premiums.
Annual Review
Review as key personnel change and business value evolves.
Why Zenflow
Key-Man Insurance Expertise
Business Understanding
We understand business operations and can accurately assess key person impact.
Tax Optimization
Policies structured for optimal tax treatment of premiums and payouts.
Succession Alignment
Key-man insurance coordinated with your overall succession plan.
Protect your business from key person risk
Key-man insurance that safeguards business continuity.
Schedule a Consultation