Key Legacy Protection is a specialist brokerage for owner-led companies. We design key person coverage, group life, workers' comp and commercial insurance that holds up when claims happen — without the bloat of legacy brokers.
Licensed in 38 states · NAIC #38211 · Errors & Omissions coverage maintained at $5M.
$5M
Coverage placed since 2025
Trusted by 110+ owner-led businesses
02 — Coverage
Most brokers sell what their top carrier is paying out on this quarter. We build the program backwards from your actual risk — then run it to market across 40+ A-rated carriers.
Coverage on the founder, owner, or critical employee whose absence would put the business at risk — paid to the company to cover lost revenue, recruiting, and continuity.
$250K – $10M typical face value · Funded buy-sell agreements available
Voluntary and employer-paid term life, AD&D, short- and long-term disability.
Up to 5× salary, no medical underwriting
State-compliant comp programs with return-to-work consulting and safety credits.
Class-code optimization included
CGL, E&O, and umbrella towers structured to your contractual obligations.
Buildings, contents, BI/EE, and inland marine — replacement-cost valuations.
First- and third-party cyber, ransomware response, and PII/PHI breach response.
03 — How we work
Most owners discover their coverage gaps mid-claim. Our process front-loads the diligence so you never have to.
A 30-minute conversation about your team, claims history, and what your current broker is — or isn't — doing.
We model your exposure across health, comp, liability and property — and tell you where you're over- and under-covered.
We take your program to 40+ A-rated carriers and negotiate aggressively. You see every quote, side-by-side.
We handle implementation, employee enrollment, certificates, and claims advocacy for the life of the policy.
04 — Owners
Key Legacy Protection rebuilt our group life and comp programs in 90 days. We saved $186k in year one and our renewal next year went up by less than CPI.
Devin Holloway
COO · Northwind Manufacturing (212 employees)
$186k saved · Year 1
I'd dreaded benefits every renewal. Key Legacy Protection made it feel like an actual decision instead of a renewal letter I had to sign.
Priya Sundaram
Founder · Hearth Studio (28 employees)
98% employee enrollment
Our last carrier denied a $400k workers' comp claim. The Key Legacy Protection claims advocate flipped it to approved in eleven days.
Marcus Halverson
President · Halverson Bros. Construction
Claim flipped in 11 days
05 — Quote
Tell us a little about your business and the coverage you're after. A licensed broker reviews every submission personally — no call center, no robocalls.
06 — FAQ
Don't see yours below? Email JanayJones822@gmail.com — we usually reply same-day.
07 — Talk
For coverage reviews, BOR transfers, claims advocacy, or just a sanity check on your current program.
JanayJones822@gmail.com
General inquiries · Quote requests
(929) 456-9852
Monday – Friday · 8:00am – 6:00pm EST
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