Most business owners have a plan for growth and no plan for the day something goes wrong. One wrong answer to any of the 7 questions on this page could cost your business, your family, or your partners everything. As a free safety, my job was seeing the threat before it arrived. That's exactly what this is.
Check every box that's true for your business right now.
This is a quick directional check, not your full score. The complete 7-question Business Risk Assessment gives you a real score and shapes your entire review.
This isn't about buying more insurance. It's about making sure everything you've built doesn't unravel the day something unexpected happens. From Loudoun and Fairfax to Richmond and Henrico to Lynchburg and Danville, this framework applies the same way — the risk isn't regional, but the way we work with you is: local, in person when it matters, and built around Virginia business owners specifically.
You have a handshake agreement, or a written one with no funding behind it. If your partner died tomorrow, would you know exactly how to buy out their family — with cash you actually have?
Revenue, client relationships, and institutional knowledge run through you personally. Your business's value and your income both disappear the day you can't show up.
You know you'll sell, retire, or hand it down eventually — but "eventually" isn't a strategy, and most owners find that out too late to fix it.
Without a plan, your spouse or kids inherit decisions they're not equipped to make, under the worst possible circumstances.
This is the actual scoring framework we use in every Business Protection Review. Protected: 0–8 points. Exposed: 9–19. Critical: 20–30. Answer honestly — the score only helps you if it's real.
Do you know what your business is actually worth today, and is that value protected if you're suddenly gone?
If something happened to you, does your family have immediate access to funds — without waiting on the business?
What happens to your top performers, and your revenue, if your most critical employee left or was suddenly unable to work?
Is your buy-sell agreement actually funded, or is it a document that assumes someone will just "find the money"?
Do you have a written plan for how and when you leave the business — or are you planning to figure it out later?
Have you structured the business in a way that minimizes tax exposure on a sale, transfer, or unexpected event?
If you're gone tomorrow, does your family inherit a plan — or a problem?
Before you take the full assessment, watch the Last Line of Defense presentation below. It walks through exactly why these 7 questions matter and what a real answer looks like for each one.
A 7-question business risk assessment covering valuation protection, personal protection, key employee retention, partnership protection, exit strategy, tax strategy, and family protection. Your score lands you in Protected, Exposed, or Critical — and shapes the entire follow-up conversation.
Business value often drops overnight, key employees leave for competitors, and family members can be forced into a fire-sale. Key person insurance, funded buy-sell agreements, and succession planning exist specifically to prevent this.
A life or disability policy the business owns on a critical employee or owner. The business is the beneficiary, using the payout to cover lost revenue and stabilize operations during the transition — relevant to any business where one or two people drive most of the value.
A buy-sell agreement outlines what happens to an owner's share on death, disability, or exit. "Funded" means life insurance guarantees the cash to actually execute it — without it, surviving partners often have to come up with the money out of pocket or take on debt during an already difficult transition.
Free, with no obligation. It includes a walkthrough of your Last Line of Defense score and an honest look at where your business is exposed.
Tell us a little about your business. Lee reviews every submission personally and follows up within one business day.
Prefer to just grab a time? Book directly on the calendar →