Insurance Solutions for Small Business Owners & Freelancers

Running a business isn’t a part-time job — it’s personal. At AEG Insurance, I understand that the insurance needs of small business owners, independent contractors, and freelancers are unique. You’re juggling client work, taxes, payroll, contracts, and growth — but what protects you, your income, and your team if the unexpected happens?

I make insurance simple and strategic — helping you protect what you’ve built so you can keep moving forward with confidence.

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Why Insurance Matters

Small businesses and freelancers face risks most people don’t see until it’s too late:

• A key employee becomes ill or leaves.

• You can’t work due to injury or sickness.

• A health insurance plan does not meet your needs or is more expensive than necessary

• You want to offer benefits to attract and retain talent.

Rather than hoping for the best, smart planning means having the right coverage in place — tailored to your business structure and goals.

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Our Core Solutions for Small Businesses & Independent Professionals

Key Person Insurance

Every business has critical contributors — whether it is a manager or partner you rely on daily.

Key Person Insurance (also called Key Man Insurance) provides your business with:

• Cash flow support if a key individual passes away.

• Time to recruit, replace, or restructure without financial strain.

• Funds to cover lost revenue or key client retention efforts.

This isn’t life insurance for employees — it’s protection for your business’s continuity.

Key Person life insurance premiums are generally not tax-deductible when the business is the owner and beneficiary. However, the death benefit is typically received income-tax free by the company.

Group Health Insurance for LLCs & S-Corps

As your business grows, so do your responsibilities — especially when it comes to employee benefits.

Whether you are a Mom & Pop business or small business owner with just a few employees and ready for better health benefits, I help you navigate:

• Small group health plans

• Underwritten health insurance options

• Dental and vision options

• Health Savings Accounts (HSAs)

Benefits matter — for your financial well-being and your ability to attract and keep great people.  And remember- these benefits effect you personally as well.  It is important to know and understand your options.

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Disability & Income Protection

If you can’t work, your business may struggle to make payroll, pay rent, or serve clients.

Disability Insurance replaces a portion of your income when injury or illness keeps you from working — whether you’re:

• A freelancer with fluctuating income

• A business owner wearing every hat

• A partner in an LLC or S-Corp

• An employee without access to disability benefits at a large corporation and are in need of income protection if you can not work due to injury or illness

I help you choose:

• Short-term disability

• Long-term disability

• Business overhead expense coverage
  (to keep business bills paid if you’re out)

Protection for your income means peace of mind — and financial stability when life throws a curveball.

Payroll Services (Referral Partner)

Running payroll is a foundational part of doing business—and for many small business owners, it’s also a requirement to offer group health insurance.

Accurate, consistent payroll reporting is often necessary to:

• Establish employee eligibility for group health plans

• Verify participation requirements set by insurance carriers

• Ensure compliance with state and federal regulations

Beyond insurance, payroll is a critical part of daily business operations—supporting tax filings, employee compensation, and overall financial organization.

To make this process easier, AEG Insurance works with trusted payroll partners who understand the needs of small business owners and growing teams. Using a reliable payroll platform helps streamline operations, reduces administrative burden, and creates a smoother path when implementing employee benefits like group health insurance.

Referral link- Schedule a Meeting | Sarah Pechon

AEG Insurance may receive a referral fee if you choose to work with one of our recommended partners. Our goal is always to connect you with services that support your business and simplify your benefits strategy.

Industries I Serve

Professional Services

• Attorneys & law firms
• CPA & accounting firms
• Consultants
• Title firms

Medical & Dental

• Dentist offices
• Doctor offices
• Veterinary and pet care offices

Trades & Home Services

• Plumbers
• Electricians
• Construction

Real Estate

• Real estate LLCs

Schedule Your Consultation

Have questions? Need to compare rates? Want help choosing a plan?

Book a call today:
https://calendly.com/aeginsurance

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AEG Insurance
Your partner in protecting what matters most.