Business Protection Hub
Protect your business — and isolate it from personal risk
Commercial liability, professional liability, business interruption, cyber, and key-person coverage — coordinated for owners, freelancers, and contractors.
Household profile
Existing coverage
Protection Score 2.0
Protection Dashboard
Household Protection
57/100
Vulnerability
53/100
Completeness
60/100
Gap Risk
60/100
Family Security
28/100
Income Replacement
31/100
Asset Protection
65/100
Retirement
37/100
Priority Actions
- Increase life coverage by $820,000high
Bring term life to 10–12× income to cover dependents.
- Add long-term disability insurancehigh
Target $5,500/mo benefit (60% of income).
- Build emergency fund to 3–6 monthsmedium
Lets you raise deductibles and absorb claims without filing.
- Add flood insurancemedium
Standard home policies exclude flood — even outside FEMA zones.
Coverage Snapshot
Business protection guides
Business
Insurance for Small Business Owners
Small businesses need a coordinated stack: GL, professional liability, business interruption, cyber, and key-person.
Business
Insurance for Self-Employed & Freelancers
1099 workers have no employer benefits — health, disability, and liability all become personal responsibilities.
Business
Insurance for Contractors & Tradespeople
Trades carry the highest combined injury, equipment, and liability exposure. Coverage must be carefully layered.