Who would run your business if you were unable to do so through illness or injury? 

This is an area we often see overlooked by business owners and the protection that can run alongside the legal documentation that can help you cope with disasters. 

More often that not, the excuse given is 'it won't happen to me'. 

Hopefully you are right, but perhaps have a think about what would happen if you were unable to pay your staff, or suppliers for a prolonged period. 

The peace of mind gained from knowing your business is protected will allow you to focus on the day to day stuff.