Many small-to-medium sized businesses are reliant on one or two key people to ensure its success.  Key Person Cover is designed to protect your business's cash flow should those that the business heavily relies upon be unable to come to work due to sickness, injury, disability or death.  The insurance can be used to replace lost revenue or to help meet your ongoing financial obligations, such as meeting business overheads or covering staff wages.  Additionally, it could be used to fund a replacement staff member or locum to ensure that the business can run smoothly into the future.