08/27/2026
At Hill & Stone Insurance Agency, we specialize in the world of insuring successful families and their businesses. And as a fourth-generation family business ourselves, this work is particularly meaningful.
We understand that for a family business, the company is rarely just a business. It can represent generations of hard work, a significant portion of the family’s wealth, a source of opportunity for the next generation, and a legacy its owners have spent decades building.
It also means the lines between business and personal risk are not always as distinct as they may appear.
💥 Real estate may be held in separate LLCs.
💥 Family members may own or operate company vehicles.
💥 Personal and commercial liability exposures can intersect.
💥 Key people may be essential to the company’s success... And as the business grows and the next generation becomes involved, an insurance program needs to evolve alongside it.
This is where our experience across both Private Client and Commercial Insurance becomes especially valuable. We can look at the family and the business together - helping ensure that the ownership structure, commercial coverage, personal insurance, and liability protection are thoughtfully coordinated.
A few considerations for family business owners in the carousel below →
