If your business success is dependent on key individuals and executives, their loss or departure could have an arresting effect on your growth and future success.
These crucial executives empower the business to effectively compete and grow. Without them, the entire future of the company could be in jeopardy.
With the right coverage from Tokio Marine HCC – Specialty Group, even if your star performer leaves, it should not mean the end of your success.
Key person disability insurance is an accident and sickness policy purchased by a third party to insure against the loss of a key employee who is an irreplaceable asset of the firm due to his or her unique expertise and skills. This product also benefits businesses that are concerned about protecting and insuring their human capital asset in the acquisition or investment in a new company, while protecting the short-term cash flow needs of the corporation.
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Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.