Most businesses rely on the work, experience and skills of a few valued employees who are key to the efficient running and profitability of the company. Whether a chairman, director or talented technician, the loss of such a crucial staff member could and often does result in lost revenue and even closure in some cases.
Many employers spend time and money protecting their tangible business assets such as buildings and machinery with traditional business insurance policies but, are often unaware of the potentially far greater risks due to the reliance on a few key employees.
Take a moment to think about the staff members who your everyday operation relies upon. Do you have a sales director or salesman who is responsible for generating the majority of your orders? Do you have any contingency plans to ensure normal working practices continue should your operations director or chairman die or be unable to work due to illness or injury? The reality is that many businesses are so busy working in the business to step back and consider the threats to it’s continued operation and profitability.
Another question to ask yourself is how easy would it be to find a...
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