Checklists
Business Owner Insurance Checklist
A checklist of the insurance a business owner should review — from protecting the people who work for you to protecting yourself and the business itself.
What it is
A practical checklist covering the coverage decisions that come with owning a business: group health, key-person and life protection, disability, and the benefits that help you attract and keep good people.
Who it helps
Founders, small-business owners, and anyone responsible for the benefits and risk decisions of a growing company.
When to use it
When you start a business, hire your first employees, or review benefits ahead of a new plan year.
Resource Center
What you'll learn
- Which coverages protect your team and which protect the business
- How group health and supplemental benefits work for small teams
- Why key-person and disability coverage matter for owners
- How to structure benefits that help you compete for talent
Questions
Frequently asked
Do I have to offer health insurance to my employees?
Requirements depend on your company size and state, but many small businesses choose to offer coverage even when not required because it helps attract and retain employees. We can walk through what fits your team.
What is key-person coverage?
It's life or disability insurance the business holds on an owner or essential employee, so the company has financial protection if that person can no longer work. It's a common safeguard for small businesses that depend on a few key people.
Ready when you are
Want this resource or a hand walking through it?
We'll send it over and answer any questions — always education-first, never a sales pitch.