K
Key Person
What happens to revenue, financing, operations or client relationships if a critical owner or employee dies or becomes disabled?
C.H.A. Insurance Agency
Protecting What Matters Most
Business Protection
Protect the business you built — and the people it depends on.
Key Person • Buy-Sell Funding • Succession • Executive Protection
The business page starts with the financial risk, not a policy. Complex cases can be supported by carrier and brokerage case-design resources while C.H.A. remains the client-facing relationship.
Start with the business risk
What would actually break if a key person were suddenly unavailable?
These are planning questions. The insurance recommendation comes later, after ownership, obligations, timing and funding needs are understood.
B
Buy-Sell Funding
If an owner exits after a covered event, who buys the interest, how is value determined and where does the funding come from?
S
Succession
How does leadership transfer, who can make decisions and what insurance or cash-flow resources help the business continue?
E
Executive Protection
What life, disability or other protection may be appropriate around critical executives, subject to product availability and case design?
Business continuity
A protection review should connect the paperwork to the money.
Insurance is only one part of the business-continuity picture. Ownership agreements, debt, decision authority and professional advice have to line up with the funding strategy.
Ownership
Who owns what today, and what agreement governs a transfer after death, disability or another triggering event?
Valuation
How is the business or ownership interest valued, and is that valuation method current?
Debt
Which loans, leases, guarantees or contractual obligations could create pressure after a key loss?
Continuity
Who can authorize payroll, banking, vendors, client communication and operating decisions?
Business resource
Inventory the risk before the meeting.
The Business Protection Checklist works directly on the site and can be printed or saved as a PDF after you complete it.
BP
Business Protection Checklist
Review key people, ownership agreements, debt, guarantees, succession and continuity actions before an advanced insurance conversation.
OPEN CHECKLIST →C.H.A. Insurance Agency
Start a business protection review.
Bring the business problem first. C.H.A. can help organize the insurance questions and determine the appropriate active market or case-support path.