Two balance sheets, one review.
Business owners carry two balance sheets — the firm's and the household's — and a gap on either side lands on the same family.
Reviewed alongside the personal plan
We review the coverage a business already carries — property, liability, and the policies that come with leases, loans, and contracts — alongside the owner's personal plan, so protection is sized once, across both.
Coordinated, not improvised
Where a policy belongs with a specialist market, we coordinate rather than improvise — matching the coverage to what the business and its contracts actually require.
What’s included.
- Business property and liability review
- Lease, loan, and contract coverage requirements
- Owner personal-plan coordination
- Coordination with a specialist market when a policy calls for one
- Renewal and coverage-gap monitoring
How it works.
Review business coverage
Current property, liability, and contract-required coverage gets inventoried, so you see what the business carries today.
Coordinate with the personal plan
Business coverage gets checked against your personal insurance, so you see where protection overlaps or is missing.
Monitor renewals
Renewal dates get tracked and gaps flagged as the business changes.
Answers from the practice.
Why review business and personal insurance together?
Because an owner's household absorbs the consequences of a gap on the business side, and vice versa. Reviewing both together sizes protection once, instead of twice or not at all.
What coverage do leases, loans, and contracts typically require?
Commercial leases, loan agreements, and client contracts often specify minimum liability or property coverage as a condition of the agreement. We check the business's current coverage against those requirements as part of the review.
Is a commercial insurance review right for my situation?
It fits business owners whose firm and household share exposure — where a gap on either balance sheet would land on the same family. If your business coverage is already reviewed alongside the personal plan, you may already have what this work provides. A first conversation is how we find out — observations are shared, decisions stay yours.
What happens after I reach out about commercial insurance?
We start with a conversation about the business, its obligations, and the household behind it. We review the policies in place on both sides — what leases, loans, and contracts require, and what the family relies on — and lay out whether and how the practice can help.
Coordinate with the rest of the firm.
Property & Liability
Umbrella, valuables, and excess-liability coverage coordinated with the rest of the risk plan.
LendingBusiness Credit
The business and household balance sheet are one system for an owner — we structure borrowing to protect both.
Tax & AccountingEntity Structuring
As revenue grows, the right structure at formation isn't always the right structure years later — sole prop, S-corp, partnership, or LLC each changes self-employment tax, liability exposure, and what a future sale looks like.
Talk through commercial insurance.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation