A shop owner working after hours at a desk of contracts, empty chair across from them

Business owners · Why this exists

Business owners without legal access play at a disadvantage.

Big companies have counsel on tap. Most owners wait until a crisis — then pay hourly.

Next step is a 3-minute assessment, then a walkthrough with an advisor.

2:10 · A lawyer in the palm of your hand

The disadvantage

Five places it shows up.

Not a lecture. The gaps most shops live with until they hurt.

Unpredictable legal bills

Sued over a trademark

The plan defended him. Coverage is how a small shop does not eat thousands in surprise defense — instead of winging it until the bill lands.

Contracts & liability

Signed without a review.

Leases, vendors, clients. One bad term sits in the file until it costs you. A cease-and-desist on law-firm letterhead is how you stop the other party — not a text from the shop phone.

0:31 · Cease & desist letters

Unpaid invoices

Collections

Letterhead gets paid. A polite follow-up does not. Most shops ignore the stack until cash is already gone.

A small-shop back office with HR folders and two chairs

Employees & rules

HR without a department.

Hiring, write-ups, termination, compliance. You still have to get it right with no staff lawyer.

A certified letter on a shop counter next to the register

Audit & lawsuit shock

Defense can sink a small shop.

The envelope on the counter is not the problem. Paying to answer it is. Act before it lands.

How the shop is set up

The entity you picked is a legal decision.

Articles, LLC, S Corp — not paperwork you Google once. Ask a lawyer before the structure bites you.

Articles of Incorporation

What you filed (or didn’t) is the paper the state and the IRS will hold you to.

2:52

S Corp vs LLC

Tax treatment and liability are not the same question. Get the difference straight before you file.

1:56

Members, in their own words

Owners who already made the call.

Short stories. Tap play. Then take the assessment to see which path fits this shop.

Members, in their own words

A real-estate investor on why legal coverage is proactive — before the crisis, not after.

They were owed money

Another lawsuit. Scary — then access made it easier, and protection meant they were owed money.

What you are getting

Not a binder. A way to act before it hurts.

Take the assessment to see which protection path fits. Then meet your associate.

Take the 3-minute assessment

Personal and business coverage can connect when the assessment says so. Confirm the path on the walkthrough — this page does not pick a tier or quote a price.

Sample plan

Preferred is the usual middle.

Most shops land here — not the smallest, not the biggest. Open the official overview. The 3-minute assessment still picks Basic, Preferred, or Premium for this business. Confirm coverage on the walkthrough.

The shop is not the only gap

Estate, identity, and the name on the door.

Legal access for the business is the main door. These sit next to it — same advisor, same walkthrough when they apply.

If this is not you

Network marketer, 1099, or direct sales?

This page is for owners with an EIN, employees, or real operating volume. If you file Schedule C or E on a personal return, use Home Business — not this door.

Home Business instead

Talk it through with an advisor.

Assessment first. Then a walkthrough — not a binder in the mail.

  1. 1Take the 3-minute assessment.
  2. 2See which protection path fits this shop.
  3. 3Walk through it with an advisor. Confirm coverage on that call — not from a price on this page.
See where you stand