Insurance Built for Business Owners—Not Retail Consumers.

 If your business is your primary asset, your insurance strategy can’t be generic.

We help owners protect enterprise value, retain key people, and create continuity—without disrupting cash flow.

Most Business Owners Are Exposed

in the Same 3 Places

Owner dependency risk

Key person risk

Unfunded continuity or succession risk

 Insurance isn’t the goal. It’s the stabilizer that prevents risk from turning into catastrophe

 What 41 Insurance Does

 We design insurance strategies specifically for business owners—focused on continuity, retention,

and protection—coordinated with your CPA and attorney.

Business Continuity &

Buy-Sell Funding

Key Person Protection

Executive Retention & Successor Incentives

Owner & Family Protection (Business Context)

 Retail Insurance Misses Enterprise Risk

Buyers and lenders scrutinize continuity

Key person risk impacts valuation and financing

Unfunded transitions create forced decisions

Proper coverage stabilizes the business and the household

How It Works

  1. Risk Snapshot

  2. Strategy Call

  3. Design & Underwriting

  4. Ongoing Review

 

Start With a Business Owner Strategy Call

  • Identify real exposure points

  • Prioritize what matters now vs later

  • Coordinate with existing advisors

Contact Us

90 Ingham Hill Road, Old Saybrook, Connecticut 06475

  • Privacy Policy

  • Terms

  • Disclosures

  • Licensing

© 2026 41 Insurance. All rights reserved.