Step 1 · Build Your Foundation
An LLC protects you legally. Insurance protects you financially. You need both. In most trade businesses, you are the business. If something happens to you or on a job, the right coverage decides whether the business survives.
Life insurance is available to Colorado residents only.
Life insurance: Evan (Colorado) Business coverage: licensed partners
Two ways we help
Licensed life insurance agent · Colorado residents
Most trade businesses run on one person. If you get hurt or worse, the work stops, and the truck loan, equipment financing, and line of credit don't. Life insurance makes sure your family, and your business, aren't left holding that debt.
I can help Colorado residents with:
Live outside Colorado? I can still walk you through what to look for and connect you with a licensed agent in your state.
Your trade puts you on job sites, in customers' homes, and around expensive equipment. Our licensed insurance partners can help with:
Read: General Liability vs E&O Insurance: What Contractors Actually Need
Insurance is part of Step 1 because it should be in place before the next job, not after a claim. Most tradespeople set it up alongside formation and banking. See Business Setup.
Not sure what coverage you need, or how much? Book a free call. We'll look at your business, your debts, and the people who depend on you, and figure out what to protect first.
Disclosure: Evan Lightner is a licensed life insurance agent in the State of Colorado only. Life insurance products are available through that license to Colorado residents. All other insurance products are referred to independent licensed insurance professionals in the appropriate states. Fresh Start Consulting is not responsible for partner products, pricing, or claims. This page is educational and is not insurance, financial, or investment advice. Nothing on this site is a solicitation to buy securities or investment products. Disclosures →
Referral fees: Fresh Start Consulting may receive a referral fee from some partners. It never increases your price, and you're always free to use any provider you choose. Disclosures →
General liability covers injuries and property damage. E&O covers costly mistakes in your advice, design, or specs. Here's the difference in plain English, the gaps that catch tradespeople off guard, and what else you might need.
If the business runs on you, it stops without you. Here's how life insurance protects your family, satisfies lenders, keeps a partnership intact, and the paperwork rules people miss.
