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The estimate you ran is a public ballpark. To get your accurate valuation and a personalized look at which insurance gaps are quietly costing you 15–60% on enterprise value, book your free 45-minute working session with Greg. We’ll run your real numbers live and you’ll leave with a clear picture of where you stand.
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Your valuation preview
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This is your ballpark from the public model. On our 45-minute call, we’ll calculate your equity value after debt, your buy-sell funding gap, and your key-person coverage need — and walk through which of the 5 Secrets below you’re currently missing.
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Step 2 · Book your accurate valuation
On a free 45-minute working session, we calculate your equity value after debt, identify which of the 5 Secrets below you’re currently missing, and quantify how much each gap is costing your enterprise value. No pitch — just clarity.
The 5 Insurance Secrets — full breakdown
~60% of contractor partnerships have a buy-sell agreement on paper but no funding mechanism. When a buyer (or your partner’s spouse) sees that, they assume forced-sale dynamics: deep discount or no deal at all. A properly funded buy-sell — life insurance owned by the entity, sized to each partner’s equity share — eliminates the discount and signals adult ownership.
Valuation impact: removes a typical 15–25% partnership-risk discount.
PE buyers and SBA lenders both diligence “key person risk” — what happens to revenue and operations if the owner is gone tomorrow? An uninsured, owner-dependent contractor takes a 10–20% multiple discount before negotiation even starts. A properly sized key-person policy (typically 2 years of revenue × your dependency factor) flips the conversation: continuity is funded, transition is planned.
Valuation impact: recovers 0.3–0.5× on your multiple.
Crew depth is in every PE buyer’s top 3 diligence items for the trades. A 162 executive bonus plan or split-dollar arrangement on your key foreman or GM does what a raise can’t: it ties retention to staying and gives the business a recoverable cash-value asset. Buyers see documented retention plans and adjust the multiple up.
Valuation impact: 0.5–1.0× multiple expansion on documented crew retention.
Statistically, you are 3–4× more likely to be disabled than to die before age 65. Most contractor buy-sells only fund death — meaning a stroke, back injury, or long illness creates a deal contractors and partners can’t execute. Disability buy-out (DBO) coverage fills that gap and is one of the most commonly missed pieces of a “complete” buy-sell.
Valuation impact: removes a deal-killer buyers and partners discover in due diligence.
This is the move almost no one does right. Cash-value life insurance owned at the entity level builds tax-deferred reserves that can fund seller notes, earn-outs, the buyer’s working capital line at closing, and — critically — estate equalization between heirs who join the business and those who don’t. It’s the difference between “I exit” and “my family is whole.”
Valuation impact: increases net realized proceeds 5–15% via tax efficiency and deal-structure flexibility.
Your next step
Pick a time for a free 45-minute working session with Greg. Screen-share, we run your real numbers live, and you leave with: (1) your accurate equity value after debt, (2) a personalized read on which of the 5 Secrets you’re missing, and (3) a dollar estimate of what each gap is costing your enterprise value. No pitch. Just clarity.
One call covers continuity gaps and a complimentary valuation preview.