Vital Shield Risk Advisory logoVital ShieldRisk Advisory

Alberta · Ontario · British Columbia

Income and business protection for small business owners

Payroll and rent continue if the owner is out.

A small business may rely on one owner's capacity to earn, make decisions or serve customers. We review personal income alongside overhead, key-person dependence and employee benefits.

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Where your plan can be exposed

  • Payroll, rent and other fixed costs may continue during an owner's absence.
  • A key person or partner's illness can disrupt service and operations.
  • Small teams may have different group-benefit needs as they grow.

A clear, three-step review

  1. 01

    List fixed costs, owner duties, current benefits and continuity arrangements.

  2. 02

    Separate personal income replacement from overhead and ownership-funding needs.

  3. 03

    Compare plan designs and coordinate individual tax or legal questions with qualified professionals.

Coverage areas to explore

Group Benefits & Business Protection

Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.

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Income & Living Benefits

Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.

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Risk & Retirement Advisory

A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.

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Estate, Legacy & Wealth

Life insurance, estate-document support, education savings and wealth considerations shaped around the people and plans that matter to you.

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Questions and answers

Can group benefits be sized for a small team?

Plan designs may vary with team size, eligibility and carrier rules. Participation and available benefits depend on the plan.

Does overhead insurance pay the owner's personal income?

Not necessarily. It may reimburse eligible business expenses under its policy; personal income coverage is a separate review.

Next step

See where your protection and planning gaps may be

Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.

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General information only; not tax, legal or investment advice.