Businesses are often complicated and specialised.  They often rely on key income/sales generators.  Should that person not turn up to work tomorrow how would this effect the bottom line and ultimately the income of the other shareholders?  It’s very important to all shareholders that these key staff members are identified and this risk is managed.  Business insurance can be complicated and we often find that businesses have inappropriate covers in place (often set up years ago) and their current needs are very different.  Feel free to call for a free business health check today. P 06 280 5276    M 021 224 7708   E bradc@bcia.co.nz