Protect Your Business Like Your Financial Life Depends On It—Because It Does
Comprehensive business insurance, corporate legal services, and growth financing for companies with $5M+ revenue who can't afford to be underprotected or underserved.
One Lawsuit Could Destroy Everything You've Built
You've spent decades building a successful business. Long hours. Difficult decisions. Personal sacrifices. But with success comes risk—and most business owners are dangerously underprotected.
The Risks Keeping Business Owners Awake at Night
One lawsuit from a disgruntled employee claiming discrimination or harassment
One accident on your property resulting in serious injury or death
One data breach exposing customer information and triggering regulatory fines
One contract dispute with a major client threatening your cash flow
One product defect resulting in recalls and liability claims
One unexpected death of a key executive paralyzing operations
Generic business insurance and overpriced legal fees aren't the answer. You need sophisticated protection strategies and expert legal guidance that understands the high stakes of your situation.
Commercial Insurance & Risk Management
Most business insurance is purchased reactively—checking a box to satisfy a lease requirement or client demand. That's a recipe for disaster. True risk management requires comprehensive analysis of your exposure and strategic coverage design.
Specialized Coverage for Complex Businesses
General Liability
$10M+ coverage available for businesses with significant exposure. Protects against bodily injury, property damage, and advertising injury claims. Essential baseline protection.
Employment Practices Liability
Protects against wrongful termination, discrimination, harassment, and retaliation claims. Average settlement: $160,000. Most businesses are completely unprotected.
General Liability
$10M+ coverage available for businesses with significant exposure. Protects against bodily injury, property damage, and advertising injury claims. Essential baseline protection.
Directors & Officers Liability
Protects your personal assets when leadership decisions are challenged. Essential for any business with outside investors, board members, or significant growth plans.
Cyber Liability & Data Breach
Average data breach costs $4.45M. Covers notification costs, credit monitoring, legal fees, regulatory fines, and business interruption. Not optional in today's digital environment.
Professional Liability (E&O)
For high-stakes industries where mistakes cost millions. Covers errors, omissions, and negligence claims from clients. Specialized policies for attorneys, accountants, consultants, and healthcare providers.
Umbrella/Excess Liability
Additional layer of protection beyond underlying policies. When a $1M policy isn't enough and you face a $5M judgment, umbrella coverage saves your business.
Commercial Property
Replacement cost coverage for buildings, equipment, inventory, and improvements. Includes business interruption coverage for lost income during recovery.
Product Liability
For manufacturers and distributors. Covers injury or damage caused by products you make or sell. One recall can bankrupt an underinsured company.
The Latifi Difference in Business Insurance
Access to Lloyd's of London and specialty carriers for unique risks others won't insure
Custom risk assessment identifying exposures your current broker is missing
Claims advocacy—we fight for you when you need to file, not disappear
Annual coverage reviews ensuring you're never under or over-insured
Competitive bidding across 50+ carriers guaranteeing best pricing
Bundling discounts saving 15-30% compared to piecing together coverage
Real Scenario: Manufacturing Product Liability
The Crisis
$25M manufacturing client faced $3.2M product liability claim after component failure caused injury. Previous broker had inadequate coverage.
Our Response
Specialized Lloyd's coverage we had secured covered full claim. Our claims team managed entire process, hired expert witnesses, negotiated settlement.
The Outcome
$0
Out-of-pocket expense for client
0%
Premium increase despite major claim
The Risk You Can't Afford to Ignore
Key Person & Succession Planning
What happens to your business if you die tomorrow? If your partner has a stroke? If your VP of Sales gets a terminal diagnosis? Most businesses would face immediate crisis—lost revenue, operational chaos, and potential collapse.
Key Person Life Insurance
Provides cash to replace lost revenue, hire replacement executives, and maintain business continuity when critical personnel are lost. Coverage typically 5-10x annual compensation.
Buy-Sell Agreement Funding
Life insurance ensuring smooth ownership transition if partner dies. Provides cash to buy out deceased partner's shares, avoiding forced liquidation or family disputes.
Business Continuity Planning
Documented procedures for maintaining operations during crisis. Emergency contact lists, decision-making authority, cash flow management, client communication protocols.
Disability Coverage for Executives
Long-term disability can be more financially devastating than death. Coverage ensures key people remain compensated and business has resources to hire temporary replacements.
"We've seen too many successful businesses forced to close because owners failed to plan for the unexpected. Don't let that be your legacy."
Expert Legal Guidance When the Stakes Are High
Corporate Legal Services
Legal fees add up quickly when you're paying $400-800/hour for every question. Our integrated approach includes preventative legal guidance as part of your relationship—saving thousands in legal fees annually while providing better protection.
Business Formation & Structure
Entity selection (LLC, S-Corp, C-Corp), formation documents, operating agreements, bylaws, corporate governance, multi-state registration. Get it right from the start.
Contracts & Transactions
Contract drafting and review, vendor agreements, customer terms, partnership structures, licensing agreements, franchise documents. Protect your interests in every deal.
Employment Law
Employment agreements, non-compete clauses, confidentiality agreements, employee handbooks, dispute resolution, litigation defense. Minimize employment-related liability.
Mergers & Acquisitions
LOI negotiation, due diligence coordination, purchase agreement structuring, earn-out provisions, post-transaction integration. Navigate complex transactions successfully.
Intellectual Property Protection
Trademark registration, copyright protection, trade secret agreements, licensing negotiations, infringement defense. Protect your competitive advantages.
Regulatory Compliance
Industry-specific compliance (healthcare, finance, manufacturing), OSHA requirements, environmental regulations, data privacy laws (GDPR, CCPA). Avoid costly violations.
Commercial Litigation
Contract disputes, shareholder conflicts, vendor/customer lawsuits, regulatory investigations, alternative dispute resolution. Aggressive defense when necessary.
Real Estate Transactions
Commercial leases, purchase agreements, zoning issues, property development, lease negotiations. Navigate complex real estate matters.
Why Our Legal Coordination Saves You Money
Preventative guidance included in your relationship—no hourly billing for simple questions
Vetted network of specialized attorneys across all practice areas
Negotiated rates 20-40% below market for referred legal work
Coordination between legal, insurance, and financial strategies
Template documents and forms reducing attorney time required
Proactive identification of legal risks before they become expensive problems
Capital When You Need It
Business Growth Financing
Expansion opportunities don't wait for convenient timing. Whether you need equipment, working capital, acquisition funding, or real estate financing, we secure better terms than you'd get going direct to lenders.
Equipment Financing & Leasing
Preserve cash while acquiring necessary equipment. Section 179 tax benefits, flexible terms, and competitive rates through our lender network.
Working Capital Lines of Credit
Flexible access to capital for seasonal fluctuations, inventory purchases, and operational needs. Better terms than traditional bank lines.
Acquisition Financing
Fund business purchases, competitor acquisitions, or asset purchases. Seller financing coordination, equity partnerships, and creative deal structuring.
Commercial Real Estate Loans
Purchase or refinance commercial property. SBA 504 loans, conventional financing, and specialized programs for owner-occupied real estate.
SBA Loan Programs
Navigate SBA 7(a) and 504 programs for favorable terms. Lower down payments, longer amortization, and competitive rates for qualified businesses.
Accounts Receivable Financing
Convert outstanding invoices to immediate cash. Factoring and AR lending for businesses with strong customer base but cash flow timing issues.
"Our network of 40+ lenders creates competition for your business—resulting in better rates, terms, and approval odds than applying direct."
Industry Specializations
We've developed deep expertise serving specific industries with unique insurance and legal requirements.
Manufacturing & Distribution
Product liability, equipment breakdown, supply chain interruption, worker safety.
Professional Services
E&O coverage, cyber liability, employment practices, client contract review.
Technology & Software
Tech E&O, cyber insurance, IP protection, investor agreements, M&A.
Healthcare Practices
Medical malpractice, HIPAA compliance, employment law, credentialing support.
Hospitality & Restaurants
Liquor liability, food safety, employment practices, lease negotiations.
Real Estate Development
Builder's risk, completed operations, construction defect, development financing.
Import/Export & Trade
Cargo insurance, customs compliance, international contracts, trade financing.
Construction & Contractors
General liability, completed operations, worker's comp, contract bonds, subcontractor agreements.
Retail & E-Commerce
Product liability, cyber insurance, lease negotiations, payment processing agreements.
Why Business Owners Choose Latifi
Comprehensive Protection
We identify risks others miss through our multi-decade experience protecting businesses. Our comprehensive analysis reveals gaps in coverage that could prove catastrophic.
Cost Efficiency
By bundling services and leveraging carrier relationships, clients typically save 15-30% compared to piecing together coverage independently—while getting better protection.
Claims Advocacy
When disaster strikes, we're in the trenches with you. Managing the claims process, hiring experts, negotiating settlements, fighting for maximum reimbursement. We don't disappear when you need us most.
Business Continuity Focus
We don't just sell policies and draft contracts. We ensure your business survives and thrives through any challenge—that's our ultimate measure of success.
Is Your Business Truly Protected?
Request your free risk assessment. Comprehensive review of your current coverage, contracts, and risk exposure. No cost. No obligation. Identify dangerous gaps before they cost you.