Opening your financial home...
Complete business and personal insurance coverage review and placement — plus annuity analysis and new placement.
Grounded Protection connects you with licensed, independent insurance professionals who review your entire coverage landscape, identify gaps, and place policies through the right carriers. Annuity reviews included — no captive products, no hidden incentives.
The problem
You have a business liability policy. Maybe general liability, maybe E&O. You have personal insurance too — auto, home, maybe an umbrella. But here's the question: do they actually work together?
Most business owners have coverage gaps hiding in plain sight. A cyber policy that doesn't cover your specific industry. An umbrella that doesn't extend to your business entity. Life insurance that wouldn't cover a buy-sell agreement. Key person coverage that expired three years ago.
The problem isn't that you don't have insurance. It's that no one has looked at all of it together.
The solution
Grounded Protection reviews your entire insurance landscape — business and personal — identifies coverage gaps, and places policies through independent carriers. No captive products. No conflicts.
We review every policy you have — business and personal — and map it against your actual exposure. Most owners find 2-3 gaps they didn't know existed.
We work with multiple carriers, not just one. Your policies are placed based on fit, not commissions. No captive products, no hidden incentives.
Your coverage is reviewed every year as your business and life change. No more set-it-and-forget-it policies that quietly become obsolete.
What we cover
Protect your business operations
General Liability
Third-party claims and lawsuits
Professional Liability (E&O)
Errors, omissions, and professional advice
Cyber Liability
Data breaches and cyber incidents
Commercial Property
Buildings, equipment, and inventory
Key Person Insurance
Protect against loss of key employees
Directors & Officers (D&O)
Management liability protection
Protect your family and assets
Life Insurance
Term, whole, and universal life
Disability Insurance
Income protection if you can't work
Homeowners / Renters
Property and liability coverage
Auto Insurance
Vehicles and liability protection
Personal Umbrella
Extended liability across all policies
Long-Term Care
Future care and nursing costs
Also included
Already have an annuity? We'll review it. Considering one? We'll help you evaluate whether it fits your goals.
Existing annuity review
We analyze your current annuity contracts — fees, surrender schedules, riders, and whether the product still fits your goals.
New placement
If an annuity makes sense for your situation, we source contracts from multiple carriers and place the right fit — not the highest commission.
Comprehensive contract analysis
Not all annuities are created equal. We analyze your existing contracts to ensure they still fit your goals — and if a new placement makes sense, we source options from multiple carriers.
What we analyze
We only recommend changes when the numbers clearly support it. If your current contract is working, we'll tell you.
How it works
We collect all your current policies — business and personal — and map them against your actual exposure. Most reviews take 2-3 weeks and uncover 2-4 gaps.
You'll receive a clear report showing what's covered, what's not, and specific recommendations for closing gaps. No jargon, no pressure — just clarity.
If you choose to proceed, we place policies through independent carriers. Then we review your coverage every year to ensure it keeps pace with your life and business.
What we find
These are the most common gaps we find in business owner coverage reviews. Most owners have at least two.
Your personal umbrella policy often excludes claims related to your business entity — leaving a gap between personal and business liability.
Generic cyber policies often have exclusions that don't cover your specific business activities or data types.
Coverage amounts were set years ago and no longer reflect the true value of key employees to your business.
Life insurance meant to fund a buy-sell agreement is either insufficient or structured incorrectly.
Personal disability covers your income, but who covers the business overhead if you can't work?
Replacement cost coverage was set at purchase and hasn't kept pace with inflation or improvements.
Think you might have gaps? Find out for free.
Get a free quoteFrom business owners
“I thought I was fully covered until the review. Turns out my umbrella didn't extend to my LLC, my cyber policy excluded my industry, and my key person coverage had lapsed. Three gaps I had no idea existed.”
James R.
Advisory Firm Owner
Share your information and we'll reach out to schedule your coverage audit. No obligation, no pressure — just clarity on where you stand.
Grounded Protection is powered by 02m Risk — independent insurance strategy and placement.
Questions
The initial coverage audit is complimentary for Grounded One members. For non-members, we offer standalone reviews — reach out to discuss.
No. Grounded One is a financial services technology company. We connect you with independent, licensed insurance professionals who conduct reviews and place policies. All insurance products are sold by licensed agents, not by us.
Most coverage audits take 2-3 weeks from start to finish, depending on how quickly we can gather your existing policy documents.
No. The review gives you clarity on where you stand. What you do with that information is entirely up to you.
Great. We can work alongside your existing agent or broker. Our role is to audit and identify gaps — not to replace relationships that are working.
Yes. We review existing annuities and place new contracts when appropriate.
Important: Grounded One is a financial services technology company operated by Zero2M LLC. We are not an insurance company and do not employ licensed insurance representatives. Grounded Protection facilitates connections between users and independent, licensed insurance professionals who provide coverage reviews, recommendations, and policy placement. All insurance products are sold by licensed agents or brokers, not by Grounded One or Zero2M LLC. Annuity reviews and policy placement are conducted by licensed professionals through our network.