ATTENTION: Business owners

Comprehensive Risk Management That Protects Your Business and Your Future

Most business owners think about insurance only when an agent calls or a policy renews. But strategic risk management goes far beyond buying policies.

Your business faces risks that could wipe out years of hard work: loss of a key person, disability of an owner, lawsuit exposure, business interruption, succession crisis, or unexpected death.

ITB Advisory Group provides comprehensive enterprise risk assessment and strategic protection architecture—ensuring your business, income, family, and long-term wealth are protected against the unexpected.

OUR APPROACH TO RISK

Strategic Risk Architecture, Not Just Insurance Sales

Traditional Insurance Agents

Sell products based on commission incentives
Focus on policies, not overall risk strategy
Rarely coordinate with your business strategy, financials, or estate plan
Don't consider how insurance fits into exit planning or wealth building

ITB Advisory Group

Conducts comprehensive enterprise risk assessments
Designs risk architecture that aligns with business and personal goals
Integrates risk strategy with financial planning, exit planning, and tax strategy
Ensures you're properly protected without overspending

OUR RISK SERVICES

Comprehensive Risk Management & Protection

Enterprise Risk Assessment

We identify and quantify all material risks facing your business: operational, financial, strategic, reputational, and people-dependent.

Business Continuity Planning

What happens if disaster strikes? We help you create plans to keep operations running through crises, emergencies, or unexpected events.

Key Person Protection

If a critical employee or partner dies or becomes disabled, your business could fail. We design funding strategies to protect against this.

Buy-Sell Agreement Funding

If you have partners, what happens when one wants out, dies, or becomes disabled? We structure and fund buy-sell agreements to prevent disaster.

Owner Income Protection

If you become disabled, your income stops—but your expenses don't. We design income replacement strategies that maintain your lifestyle.

Succession Risk Mitigation

Transferring ownership involves significant risk. We identify potential pitfalls and create strategies to mitigate them

Strategic Benefits Planning

Group health, retirement plans, and executive benefits can attract talent, retain key people, and provide tax advantages—if structured correctly.

Estate & Legacy Planning Coordination

We work with your estate attorney to ensure business succession, life insurance, and wealth transfer strategies align.

THE ITB RISK PLANNING PROCESS

A Systematic Approach to Risk Management

Phase 1: Risk Discovery & Assessment
We conduct a comprehensive review of your business operations, ownership structure, financial situation, existing coverage, and personal goals.
Phase 2: Gap Analysis & Risk Quantification
We identify gaps between your current protection and actual exposure. We quantify the financial impact of various risk scenarios.
Phase 3: Strategic Recommendations
We design a comprehensive risk architecture that addresses all material risks in priority order, considering cost, effectiveness, and alignment with overall strategy.
Phase 4: Implementation & Coordination
We help you implement recommendations, coordinate with insurance carriers, and ensure integration with your financial and legal advisors.
Phase 5: Ongoing Review & Adjustment
Risk profiles change as your business grows. We conduct annual reviews to ensure your protection stays current.

WHO IS THIS FOR

You Need Strategic Risk Planning If:

Your business generates $500k+ in revenue
You have partners or co-owners without buy-sell funding
You have key employees whose loss would significantly impact revenue
You lack comprehensive disability or income protection
Your existing insurance hasn't been reviewed in 3+ years
You're planning for succession or exit
You want to ensure business continuity through unexpected events
Your personal and business risks aren't coordinated

Ready to Protect What You've Built?

Let's start with a complimentary risk assessment to identify exposures and protection gaps.

REQUEST TO PROTECT WHAT YOU'VE BUILT

PRICING

Fee-Based Risk Consulting

Risk Assessment & Strategy:
$3,000 - $8,000 for comprehensive assessment and strategic recommendations
Ongoing Risk Advisory:
Included in Strategic Advisory Retainer or available standalone at $1,000 - $2,500/month
Implementation Support:
Included in initial engagement; ongoing implementation support available as needed