You try & surround yourself with the best people at all times however their loss can seriously damage your company. Be wise and protect your company against financial disaster by covering your pivotal staff and money-spinners (director, project manager, sales head etc).
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Key person insurance provides a lump sum pay out to your company should your identified “key person” die or be incapacitated for an extended period. Policy proceeds allow you to find or up skill a replacement or in a worst case scenario, wind up the business with minimised financial hassle.