Independent Insurance Consultancy · Colorado & Florida

Your Business Built You.
Let's Make Sure It Protects You.

Summit Harbor Group works exclusively with closely held business owners to close the protection gaps most advisors never bring up — key person risk, buy-sell funding, and executive continuity planning.

2,200+
Target businesses in our markets
$1M–$50M
Target client revenue range
3
Distinct protection tiers

We Talk to Business Owners Like One of Their Own

Summit Harbor Group was founded by a former business owner with an MBA who saw firsthand how many successful owners have massive uninsured blind spots — and nobody at the table to address them at a peer level.


We operate across two high-net-worth markets — Roaring Fork Valley, Colorado and Naples, Florida — serving the owners that traditional financial advisors overlook.

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Consultant-First Approach

We lead with analysis, not products. Every engagement starts with a deep fact-finding process to understand your business's actual exposure before any solution is discussed.

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CPA & Attorney Partnerships

We work alongside your existing advisors — CPAs, attorneys, and wealth managers — to fill the gaps they don't cover, not compete with them.

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Local Market Focus

Deep roots in Naples, FL and the Roaring Fork Valley, CO. We know these markets, the business communities, and the unique risks local owners face.

Three Tiers of Business Owner Protection

Services designed to match your urgency and planning stage — from core protection to executive growth strategy.

Tier 1

Business Protection Core

  • Key person life insurance — protect revenue tied to the owner or a critical employee
  • Buy-sell agreement funding — life and disability solutions for ownership transitions
  • Business overhead expense coverage for disability events
  • Personal income protection for the owner
Tier 2

Continuity & Succession Planning

  • Succession planning support — funded buy-sell agreements and ownership transfer
  • Estate liquidity and inheritance equalization analysis
  • Family business succession planning for active and inactive heirs
  • Business continuity and liquidity workbook review
Tier 3

Executive & Growth Strategy

  • Executive bonus plans (IRC Section 162) for key employee retention
  • Selective executive benefit arrangements
  • Deferred compensation strategy for high-income owners
  • Funding analysis for retirement transition and internal business sale

Where We Work

We operate in two distinct high-net-worth markets where closely held business owners are underserved by traditional financial advisors.

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Naples, Florida

~1,500–1,950 target businesses
  • Luxury real estate and construction firms
  • Medical and professional practices
  • Family-owned hospitality businesses
  • High-net-worth owner-operated companies
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Roaring Fork Valley, Colorado

~710–1,020 target businesses
  • Aspen-area luxury builders and developers
  • Resort and hospitality operators
  • Professional service firms
  • Owner-dependent businesses in the $1M–$50M range

Who We Work With

We work best with owner-dependent businesses where the owner IS the business — and where the risks of losing them haven't been properly addressed.

🏗️ Construction & Contracting Firms
🏥 Medical & Dental Practices
🏠 Real Estate Brokerages
⚖️ Law Firms & Professional Services
🏨 Luxury Hospitality Operators
🔧 Manufacturing & Trade Businesses

Knowledge That Protects Your Business

Download our free guides to understand the gaps most business owners and their advisors never address — until it's too late.

For Business Owners

Built to Last: The Business Owner's Complete Guide to Protection

A practical guide to identifying and closing the gaps that put your business — and your family — at risk.

Inside this guide
  • The 5 protection gaps that silently threaten even the most successful businesses
  • What happens to your business if you die or become disabled tomorrow
  • Why most buy-sell agreements are unfunded time bombs — and how to fix yours
  • How to structure key person coverage so the business survives without you
  • The succession planning checklist every owner should complete before age 55
📖 Free preview available — full guide delivered to your inbox after a quick sign-up.
For CPAs & Attorneys

Your Clients Have Gaps: What Business Owner Advisors Need to Know

The protection conversation most advisors aren't having — and why it matters for your clients and your practice.

Inside this guide
  • Why tax strategy alone leaves business owner clients dangerously exposed
  • The buy-sell gap: how to identify unfunded agreements before they become crises
  • Key person risk — the question your clients need you to ask
  • How to strengthen client relationships by introducing risk planning referrals
  • A simple framework for spotting protection gaps in your existing client base
📖 Free preview available — full guide delivered to your inbox after a quick sign-up.

Ready to Close Your Gaps?

Schedule a no-pressure discovery call. We'll take 20 minutes to understand your business and tell you honestly if we can help.

Book a Discovery Call

Tell us a bit about your business and we'll reach out within one business day to schedule your call.