There are many benefits to running your own business. For a start, it gives you the freedom to set your own goals and do things your way. But just as importantly, it provides you and your family with a lifestyle that may not have been possible if you were working for someone else.

So what would happen to your business if you or a key person in your business was suddenly taken out of the picture? Accidents and illnesses happen when you least expect them – how would your business continue to o...