BUSINESS RISK MANAGEMENT

Strategic risk management solutions designed to protect your business from lawsuits,

employee claims, operational disruptions, and compliance failures.

Business Risk Management Starts With Understanding

How You Actually Operate

At Leto Financial, we don't assess risk from a policy checklist. We evaluate your business the same way regulators, auditors, and opposing counsel would.

At Leto Financial, we don't assess risk from a policy checklist. We evaluate your business the same way

regulators, auditors, and opposing counsel would.

The Reality

Most Businesses Are Insured. Very Few Are Properly Protected.

Common Gaps We Find:

× Policies that don't align with actual operations
× Coverage limits that haven't kept pace with growth
× Exclusions buried in policy language
× Contracts requiring coverage the business doesn't have
× Employee classifications that create liability

Our Approach:

✓ Evaluate operations before recommending coverage
✓ Review contracts for insurance requirements
✓ Identify gaps between exposure and protection
✓ Build strategies that evolve with your business
✓ Prepare you for audits and claims before they happen

Our Methodology

Why Our Risk Management Approach Is Different

We're Business Operators

We manage employees, liability, compliance, and risk in our own business. We understand the challenges because we live them.

Legal Perspective

We analyze your business the same way opposing counsel would—looking for vulnerabilities a plaintiff’s attorney would exploit.

Strategy First

We don’t start with products. We start with understanding your operations, contracts, and growth plans—then design protection around them.

Start Here

The Business X-Ray: Clarity Before Coverage

Before we recommend any coverage, we conduct a Business X–Ray—a structured diagnostic session that examines your business from risk, compliance, and operational perspectives.

This is not a quote call

This is not a product pitch

This is a diagnostic process

Schedule a Business X–Ray

AREAS OF EXPERTISE

Risk Areas We Manage

Liability & Lawsuits

Protection against third-party claims, bodily injury, property damage, and legal defense costs.

General liability exposure analysis
Product liability considerations
Completed operations coverage
Legal defense cost projections

Employee-Related Risk

Employee-related claims are among the most common and costly business risks.

Workers' compensation strategy
Employment practices liability (EPLI)
Harassment & discrimination claims
Wrongful termination exposure

Operational & Contractual Risk

We identify gaps between what your business promises and what is actually protected.

Contract insurance requirements
Additional insured obligations
Indemnification clause analysis
Business interruption planning

Professional & Advisory Risk

Professional services and advice can create errors and omissions exposure.

Professional liability (E&O)
Directors & Officers coverage
Fiduciary liability exposure
Management liability analysis

Cyber & Data Exposure

Cyber incidents create serious financial and operational risk.

Data breach response planning
Ransomware & extortion coverage
Email compromise protection
Regulatory compliance concerns

Surety Bonds & Compliance

Bonding requirements are critical for licensing and contracts.

License & permit bonds
Contract & bid bonds
Performance & payment bonds
Regulatory compliance bonds

AREAS OF EXPERTISE