Insurance is bought at a moment in time and then forgotten. The problem is that the business keeps moving. Revenue grows, partners come and go, a key employee becomes irreplaceable, and the coverage quietly stays sized for the company you were three years ago.
Most balance sheets are protected for their past, not their present. A buy-sell agreement was signed but never funded, so a partner's exit has no mechanism behind it. A key person now carries relationships worth more than the policy that covers them. A physician's disability coverage is not own-occupation, so it pays nothing if they can still do some other job. None of these show up until the event that triggers them, and by then the gap is not a line item; it is the whole problem.
Greenridge Insurance advises on commercial and family-office coverage, and because we sit inside the same group as the wealth and compliance teams, we start from a balance sheet we already understand. That means the review is not a sales call for one more policy. It is a look at what you carry, where it no longer matches what you own, and what actually needs protecting now.
Coverage should be part of the plan, not a separate conversation you have once and never revisit.
For the businesses and families we serve, that usually means the load-bearing risks: key-person and buy-sell funding for owners, own-occupation disability for physicians, liability that matches current operations, and family-office coverage for the assets a growing estate accumulates. We review it against what you carry, coordinate with your advisers, and close the gaps before they are found the hard way.
Insure the balance sheet you have, not the one you used to.