If you are running a business and are the sole proprietor, or running it as an LLC or some other form of ownership which relies on one person to handle most of the business operations and decisions, you have what is called a "key person" and need to decide how to handle what will happen in the situation that person is not able to carry out their duties.
The thing that got me to thinking about this is a local Carbondale business, Chicago Hot Dogs, which has operated in downtown Carbondale for two decades and is now up for sale. One of the owners, Sang Eun Lee, died in a boating accident last November and without a plan to handle continued operations, the business is up for sale as it appears his wife does not want to or cannot handle the business alone. So if you are a small business and the sole owner, do you have plans for what happens if something happens to you?
Something to consider is "key person" insurance, which is insurance that pays out in the instance that someone designated an indispensable part of the business becomes unable to perform their duties.