You see the whole balance sheet. Their insurance agents don't.
CPAs, attorneys, and bankers are usually the first to notice when a business owner's coverage has fragmented across three agencies that have never spoken. This page is for the moment you notice.
A referral reflects on the person who makes it.
When you send a client to someone, your name travels with them. So here is exactly what happens when a business owner you advise lands here: one 20-minute call, a full review of commercial, benefits, and personal coverage in a single conversation, and a straight answer about whether this practice is the right fit. If it is not, I say so.
One Point of Contact
Your client's commercial, benefits, and personal lines reviewed together by one person who holds the complete risk picture, the same way you hold their complete financial picture.
No Handoff Limbo
Your referral reaches me directly, not a call center or an intake queue. I follow up within one business day, and your client will tell you I did.
You Stay Informed
With your client's permission, I coordinate with the rest of their advisory team. Coverage decisions touch tax, legal, and lending. They should not happen in a silo.
Four signals a client's coverage has fragmented.
Best fit: owner-operated businesses, roughly 5 to 50 employees, headquartered in North Dakota or Minnesota. If your client doesn't match that profile, I'll point them somewhere that fits better.