For Business Owners

For Your Business

You didn't start a business because it’s cool. Or glamorous. Or easy. You started a business because you’re driven. Uncompromising. And, let’s admit it, maybe even a little obsessed. It’s in your blood. And it’s in ours, too.

We understand the demands, the responsibilities, the pride of owning your own enterprise and we are uniquely suited to helping you realize your business vision — by giving you the expertise and support to help clear the most critical hurdles your emerging business faces.

Creating a cash reserve. Making sure you have enough ready cash to keep your business running smoothly typically involves more than just a savings account. Arcis can help you think about building contingencies in the event you or your business has a run-in with the unexpected. It’s crucial to have options in place to keep your business running strong — strategies to help you recover when your cash flow hits a stumbling block or ideas that can work to keep your business working even when you can’t.

Safeguarding your business. If business didn’t come with risks, it wouldn’t be business. It's all part of the game. Knowing how to protect yourself from those risks? That's what can make the difference between a banner year and a total bust. Working closely with you to identify your unique needs and exposure to risk, we can help coordinate the team of professionals you’ll need to make sense of the myriad options available — from basic property and casualty insurance to business and partnership protection. We can help you develop programs that protect your most important employees and brainstorm about how to keep your business running smoothly in times of crisis.

Getting a jump on tomorrow. You don't get ahead in the business world by keeping your weight on your heels. You've got to be on your toes, ready to pounce. That means identifying tomorrow's opportunities — and challenges — and preparing for them today. Maybe you’re still at the early stages of your business journey and just beginning to think about the next chapter. Or maybe you’re thinking about a plan for passing on the ceremonial baton. Either way, we’re prepared to help you move toward the direction you choose. We will take the time to listen, to understand your vision for life’s next chapter. Let's spend a little time together today, to help ensure you’re ready to make the most of tomorrow.

For Your Employees

You've got a new business to build. To say you've got a lot on your plate is an understatement. Finding new accounts. Recruiting talent. Tracking accounts receivable. With everything you have to worry about, who has time to worry about employee benefits? Luckily, Arcis can help you determine what kind of benefits may work for you and your employees, letting you focus on building your business empire — or pleasing your next customer.

The value of strong benefits. The employee benefits landscape continues to change, challenging you to look for new ways to manage costs and provide your employees with valuable dental, disability, life, vision, and critical illness insurance. As your insurance carrier, we'll work hard to help you identify and meet your changing benefit needs. When you explore potential retirement options for your staff, think about all your employee benefit needs, and speak with us about group plans.

Beyond the basics. There are many ways to show your employees how valuable they are to your operation. You grant time off when needed, encourage family time as necessary and support them when life throws a curve-ball. Expanding your basic benefit plan can also create an added layer of real protection for the families that help your business grow. We will help in sorting out all the options to consider when you're crafting a strategy to attract and retain key employees, those who are critical to your operation and who may, someday, be the captain of your ship.

Protecting income. Most business owners recognize the need to plan for the unexpected; we call them contingencies – what we think we will do if our original plan doesn't materialize. We protect our business, our cars, our homes, our lives, but often overlooked is the need for us to protect our income and the income of our employees. Life can be challenging, and some of those challenges may force us from work, even for a short period of time.  Together, we can craft a plan that addresses these concerns.

As the builders say, the larger stones do not lie well without the lesser.

– Plato

For You and Your Family

Sure, your business may be your life. But that doesn't mean you don't have a life outside your business. And when working hours are over, you have a family to protect. That's where you can turn to Arcis. We will work with you to understand your unique needs and help you preserve the wealth you work so hard to create for yourself and your loved ones.

Securing your income. You don't just work for a paycheck. You work to fulfill your passion. It's what gets you up in the morning. And, sometimes, what keeps you up at night. Dollars and cents may not be the biggest reasons you chose to own a business, but losing them because you’re ill or injured would hurt. A lot. Unless, of course, you have taken the necessary steps to help replace your income  when you can’t work. After all, when you're concentrating on getting healthy, the last thing you want to worry about is how to make ends meet.

Planning for life after work. You're your own boss. Which comes with a lot of perks. Having to go solo on funding your retirement isn't one of them. Only your own company can offer you a company match or pension. You’ve got to build your own future. But that doesn’t mean you're on your own. Arcis can work with you to make sure you have a retirement plan in place that will help you get where you need to go, with an expansive range of solutions designed to take you every step of the way, including:

• IRAs
• Annuities
• Mutual funds
• Investment advice
• Pensions and IRAs

Looking after your family. You review financial statements at breakfast. Revise pitches over dinner. And after the kids are in bed? It's time to jump back on that proposal. Sometimes the line between work life and home life isn't entirely impermeable. That's okay. As long as you make sure a bump in the road for business doesn't shake up your family. This means being prepared for the unexpected with forward-thinking solutions like:

• Buy-sell agreements to protect your family's stake in your business in the event of your death
• Key person insurance to help your keep your business, and income, going strong if a crucial member of your team dies
• Wills and trusts to help your loved ones when you're no longer there.