Core Topics & Outline
The difference between "Insurance Value" and "Operational Value".
Revenue concentration vs. Decision concentration.
The 60-day disruption window: What happens when key talent departs or becomes unavailable.
Building a resilient Human Capital Risk Framework.
Revenue concentration vs. Decision concentration.
The 60-day disruption window: What happens when key talent departs or becomes unavailable.
Building a resilient Human Capital Risk Framework.
Most mid-market enterprises rely heavily on key executives and founder-led decisions. While traditional key person insurance provides a nominal cash payout upon loss, it rarely accounts for the actual operational friction, client churn, or decision fatigue that follows.
Measuring true human capital exposure requires evaluating decision concentration—identifying who holds unwritten processes, key client relationships, and critical institutional knowledge. By quantifying this risk early, businesses can implement structured knowledge-transfer protocols alongside financial mitigation strategies.
