Every business has key employees that would be hard to replace in the event of their death. It may be that they have special relationships with clients, vendors, or the bank that handles any lending needs. It could be that their knowledge of product or processes would be very hard to find in another person. And it most certainly includes owners, officers, and management personnel. We are a ready resource for a business to analyze and identify who their key people are, help to quantify the potential loss, and provide coverage to allow them to weather the loss of that key person, and move towards finding a suitable replacement.