You have liability coverage, property insurance, vehicle insurance. The most valuable asset in your business — the person running it — is probably completely unprotected. Your business can survive a bad quarter. It may not survive losing you for six months.
Book a free 20-minute call. Kleber maps your personal and business coverage gaps simultaneously.
Most Florida business owners have coverage for one layer at most. GoWise Wallet structures all three — simultaneously, across 14+ A+ rated carriers.
The business owns and pays for a life insurance policy on you. If you die, the death benefit goes to the company — covering recruitment costs, lost revenue, and debt obligations while the business stabilizes.
If your business has partners, a funded buy-sell agreement ensures surviving partners have the capital to buy out a deceased owner's share — preventing the estate from becoming your new business partner.
The most overlooked gap: what happens if you're alive but can't work for 6 months? A health event that sidelines the owner creates a slow financial emergency that destroys both the company and personal finances.
Without a funded buy-sell agreement, a deceased partner's family becomes your new business partner — whether you want them or not. An unfunded buy-sell document is worthless. See how guaranteed income strategies complement this layer.
Six months of an owner unable to work, sell, or manage often determines whether a small business survives. Payroll continues. Rent continues. Revenue collapses. There is no sick pay for owners.
W-2 employees sometimes get employer disability coverage. Self-employed Florida owners get exactly what they set up themselves. For most, that's nothing beyond health insurance. See how this connects to mortgage protection.
SBA loans, equipment financing, real estate debt — none of it pauses when the owner is ill or dies. Without key person coverage, these obligations can force a distress sale of assets or the business itself.
A Florida business owner, age 49, with 7 employees and a personally guaranteed business loan. His scan identified two gaps: no key-person protection and no funded business continuity plan. A properly structured policy gave the business a financial cushion in the event of his incapacity — and gave his family separation from the business liability they didn't know they were carrying.
The Retirement Gap Scanner shows exactly what's unprotected in your income, mortgage, and retirement picture. No commitment. Just clarity.
Your picture and your distance — in under 2 minutes.
Run My Retirement Gap Scan →