Life & Disability Insurance
Protect the people
your business depends on.
Key-person life and disability strategies that guard your operation's most critical asset — the people who make it run — so an unexpected event doesn't stop the business.
- Key-person life insurance sized to your actual business exposure
- Short- and long-term disability coverage for owners and staff
- Buy-sell funding strategies that protect business continuity
When a key person is suddenly absent — whether through death, illness, or disability — the financial impact on a business can be severe. We design life and disability programs that address the real exposure: lost revenue, debt obligations, partnership buyouts, and the cost of replacement — so the business keeps running no matter what.
Specialists
By Design.
Deep expertise in the sectors where risk is real and the margins for error are thin.
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Years of experience in the trades
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Businesses & individuals protected
0%
Client retention year over year
Protect what the business depends on most
When a key person is suddenly absent — through death, illness, or disability — the financial impact on a business can be severe. We design programs that address the real exposure: lost revenue, debt obligations, and the cost of replacing someone irreplaceable.
- Key-person life insurance sized to your actual business exposure
- Short- and long-term disability coverage for owners and staff
- Buy-sell funding strategies that protect business continuity
Carriers
We Represent
Why OxEra
Why people love The OxEra Group
Insurance Solutions
You work with a dedicated advisor who knows your industry, your company, and your goals — and stays accountable to all three. No handoffs, no call centres, no being passed around. Just one person who picks up the phone and already knows the full picture of your operation.
The risk that stops the business is often the one nobody planned for.
Our methodology
Seven interlocking layers that reduce total risk, not just annual premium.
Our 7-Step Risk Management Process
Risk Discovery
We spend real time on your floor, your site, and your books — understanding the operation before we ever talk coverage.
Exposure Mapping
We chart every meaningful risk: people, equipment, contracts, supply chain, and regulatory obligations.
Strategy Design
We build a layered risk strategy — coverage, operational controls, and carrier relationships — tailored to your situation.
Carrier Placement
With access to specialty markets, we negotiate terms that reflect how well-run your operation actually is.
Contract Alignment
We review your contracts, certificates, and indemnity terms so your coverage and your obligations never drift apart.
Claims Advocacy
When something happens, we manage the claim and fight for the outcome — you keep running the business.
Ongoing Partnership
We meet annually — and whenever things change. The relationship deepens because the risk picture always evolves.
Free monthly webinars
Join our group for free monthly webinars
Practical risk intelligence for construction and manufacturing leaders.
Client voices
Hear from our clients.
“OxEra didn't just find us coverage — they found exposures we didn't know we had. The relationship has made our whole operation safer.”
Marcus T.
President, Tier One Structural
“For the first time in twenty years of running a shop, I felt like my insurance advisor understood what we actually do. That clarity changed everything.”
Diana R.
Owner, Clearwater Fabrication
“Every renewal used to feel like starting over. With OxEra it feels like a progress report — they come back knowing more, not less.”
James K.
VP Operations, Summit Contracting
“They read our subcontracts before we signed them. Nobody had ever done that for us.”
Priya S.
CFO, Ridgeline Builders
“When we had our first major claim, OxEra handled everything. We never stopped production. That's when I knew we'd made the right call.”
Tom W.
GM, Ironbark Manufacturing
“Straight answers, no jargon, and a premium that finally reflects how we actually run our sites.”
Elena M.
Director, M&Co Civil
“OxEra didn't just find us coverage — they found exposures we didn't know we had. The relationship has made our whole operation safer.”
Marcus T.
President, Tier One Structural
“For the first time in twenty years of running a shop, I felt like my insurance advisor understood what we actually do. That clarity changed everything.”
Diana R.
Owner, Clearwater Fabrication
“Every renewal used to feel like starting over. With OxEra it feels like a progress report — they come back knowing more, not less.”
James K.
VP Operations, Summit Contracting
“They read our subcontracts before we signed them. Nobody had ever done that for us.”
Priya S.
CFO, Ridgeline Builders
“When we had our first major claim, OxEra handled everything. We never stopped production. That's when I knew we'd made the right call.”
Tom W.
GM, Ironbark Manufacturing
“Straight answers, no jargon, and a premium that finally reflects how we actually run our sites.”
Elena M.
Director, M&Co Civil
Our footprint
States
we serve.
Licensed across the country, with deep roots in the markets that build and make things.
Common questions
FAQs.
Not answered here? Ask us directly.