Team 04 · Insurance
Protection that keeps pace with what you build
The right coverage is part of a sound financial foundation. We review what the business and each owner carry, name the gaps in plain language, and keep the protection aligned with the rest of the plan as the company grows.
For the business
The company and its entities
- Coverage and gap review Every policy read against how the business actually operates, with the gaps named plainly.
- Commercial liability and property The core lines your operations, contracts, and lenders require.
- Key-person and buy-sell funding Coverage that funds the buy-sell agreement and protects against losing a key person.
For the owners
Each owner and spouse
- Life and disability Protection for each owner’s household if they cannot work or do not come home.
- Home, auto, and umbrella Personal policies reviewed together, with umbrella limits that match what you own.
- Estate-aligned coverage Policies structured and sized to fit the estate plan.
What you get
What arrives, and when
- At setup
- An inventory of every policy, business and personal
- A plain-language gap review
- Annually
- A renewal review across business and personal coverage
- As things change
- Coverage revisited when you hire, buy, expand, or add an owner
How it works
From first call to steady state
Once the books are current and the scope is clear, the engagement settles into a single monthly fee.
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Inventory
Every policy in force, business and personal, gathered and read — including the exclusions pages nobody opens.
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Assess
Exposures mapped against what you carry, and the gaps named in plain language.
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Align
Coverage matched to the business, the buy-sell, and each owner’s estate plan.
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Review
Revisited as you grow, so limits set three years ago do not quietly become inadequate.
One system
Insurance does not work in isolation
Every team feeds the same picture of your business and its owners. Insurance sits at the same table as the other three, and your relationship manager coordinates all four — so nothing is handed off and nothing has to be re-explained.
Questions, answered
About insurance
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How are premiums billed?
Separately, by the carrier — premiums are not part of the monthly fee. Fern Advisors, LLC may receive commissions or other compensation from carriers on policies placed.
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We already have a broker. Do we have to move?
No. Keep the broker you trust; we review coverage alongside the rest of the plan and coordinate with them.
One team, four areas
Explore the other teams
Get started
Ready to know what you actually carry?
One for the business, one for each owner and spouse — about two hours each, usually in the same week. A week later you get your plan and a flat monthly fee.
You will know what the work costs before you commit to any of it.