What is an 831(b) Plan?
The 831(b) Plan is a federally recognized tool that allows small to mid-sized businesses to set aside pre-tax funds to prepare for unexpected risks. Unlike traditional insurance, this plan lets you build a financial buffer for the risks you actually face.
Do I Qualify
SRA has created a simple assessment to see if you may qualify to strengthen your business through an 831(b) Plan.
Adverse Media Coverage
Lawsuits
Business Interruption
Traditional Policy Exclusions & Sublimits
Audits
Tariffs, Wars & Political Disruptions
Data Breach & Cyber Crimes
People & Leadership Risk
Supply Chain Interruptions
Warranties & Protection PlansAdverse Media CoverageLawsuitsBusiness InterruptionTraditional Policy Exclusions & SublimitsAuditsTariffs, Wars & Political DisruptionsData Breach & Cyber CrimesPeople & Leadership RiskSupply Chain InterruptionsWarranties & Protection PlansReal World Example
A custom equipment manufacturer uses its 831(b) Plan to self-insure product warranties as well as enterprise-level risks. When a key component failed in the field, the company honored the repair under its in-house warranty, funded through the 831(b).
Furthermore, when delays in incoming parts from overseas suppliers threatened production timelines, their commercial policy provided minimal coverage. The company relied on its 831(b) Plan to absorb the impact and maintain delivery commitments.
See how it applies to your industry…
Is Your Business Ready?
When to Consider an 831(b) Plan
From stages of growth to strategic transitions, there are certain inflection points where financial risks increase and opportunities to protect profits become more urgent.
More than $2 Million in Gross Revenue
Independently Owned
Values Risk Mitigation
Typically Working on the Business, not in the Business
What are your uninsured risks?
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Why it Matters
Benefits for My Business
PRIMARY: Risk Management:
Protect against low-frequency, high-impact events traditional insurance doesn’t cover.
SECONDARY: Tax Deferral:
Reduce taxable income by setting aside reserves in a compliant and structured way.
With You From the Start
How You’ll Work With Us
From Day 1 to Year 10, we’re in this with you.
Client Success Stories
Real Businesses. Real Outcomes.
Hear More from Trusted Experts
SRA helped us structure a plan that kept our cash flowing during a 5-month equipment shortage. We didn’t lay off a single person.
Learn More with us
Upcoming Events
Join one of our upcoming live virtual events to learn more about 831(b) Plans and have your questions answered by one of our experts.
