Most business owners have never asked what happens to the company if something happens to them. I have, and I build the answer into your coverage before you need it, not after.
Business insurance isn't an add-on to what I do, it's become the center of it. Owners come to me after a partner's health scare, a lease renewal that made them nervous, or just the slow realization that nobody had ever asked what happens to the business if something happens to them.
I don't lead with a quote. I start by understanding how your business actually runs: who's essential to it, what would happen if they were gone tomorrow, and what your partners, employees, or family would be left sorting out. From there we build the coverage that actually matches that picture, not a generic policy pulled off a shelf.
I work with business owners across the country, not just here in Michigan. Wherever your business is, the same approach applies: understand it first, then protect it.
Protects the business against the financial hit of losing someone essential to how it runs, an owner, a founder, or the one person who holds it all together.
Makes sure ownership transfers cleanly if a partner dies, retires, or exits, so the remaining owners aren't left negotiating with a grieving family or a surprise new partner.
Covers claims of injury, property damage, or negligence tied to your operations, plus protection against claims of errors or bad advice for businesses that provide a professional service.
Guarantees your business will meet a contract, license, or legal obligation. A common requirement for contractors and other insurance professionals I work alongside regularly.
Bundles general liability with property coverage for a business's physical space, equipment, and inventory.
Covers medical costs and lost wages for employees injured on the job, and protects the business from the liability that comes with it.
Covers vehicles owned or used by the business, from a single work truck to a full fleet.
This list keeps growing as I add more detail on each coverage type. If you don't see what you're looking for, ask, I likely offer it.
Thirty minutes if you've got one specific question. An hour if we need to dig into succession, protection gaps, or where the business is actually stuck. Pick whichever fits what you need.
I've been helping people protect their finances for more than 20 years, across banking, small business consulting, investments, and insurance. I started Unshaken Legacy Planning because I kept watching good people get sold a product instead of getting a plan.
I do this work because I lost my daughter unexpectedly. Nothing prepares you for that, and nothing about the days after gets easier just because you didn't see it coming. I found out fast how much harder everything is when there's no plan in place, no conversation that had already happened, no answers waiting for the people left behind. That's the real reason I sit down with families and business owners and ask the hard questions before life forces the question on them. I'd rather have an uncomfortable conversation with you today than watch your family piece something together without one.
Send me a few details about your business and it comes straight to me. No call required to get the conversation started.