Attention valued clients

Due to the status of COVID-19, we will be conducting business from home effective 3/23/20 until further notice. You may experience delayed response time, but we are working diligently to service clients in a timely manner. Please continue to call us at 209-524-6366 with any questions or concerns. For Nationwide claims please call: 1-877-669-6877. For more information regarding COVID-19, visit this page. Thank you for your patience during this time!

Commercial Disability Insurance

Protecting your business is our business.

Ask yourself:

  • If you, a business partner or an employee become disabled, would you continue paying a salary during this time?
  • How much could you pay? For how long?
  • Will you have the necessary funds to cover rent, payroll, and other operating expenses?
  • If a disability causes a partner to the leave the business, would sufficient funds be available to purchase that owner’s interest in the business? Who would decide when an owner’€™s disability meets the terms of a buy-sell agreement?

Whether large or small, whether organized as a corporation, a partnership, a limited liability company or a sole proprietor,
you must be prepared for that day.

Having a strategy for retirement, disability and death is crucial for a smooth transition and future success for you,
your associates, your families, your employees and your business.

For most of us, suffering a sudden disability is unimaginable, especially if we have always enjoyed good health. Disability
insurance reimburses the buyers of the business with tax-free benefits, and it’s instrumental in determining when an
owner is totally disabled. Assess your preparedness to protect what you and your associates have worked hard to build.


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Have any questions?