A Dun & Bradstreet study surveyed more than 12,000 failed businesses to find out why businesses fold.

What they found was that 97.5% of the failures were caused by factors involving the human element including incompetence, inexperience and human frailties such as death. The death of a Key Person can and most often will cause the following: ·         Disruption of management ·         Impairment of credit ·         Loss of profits ·         Loss of company confidence Now is the time to review your businessKey Person coverage or put it in place if they do not already have it. We have a “turn-key” tool kit that will help you identify their need and walk you through the process.