---
title: Business Insurance in the Event of a Death or Disability
description: Learn the 4 types of business insurance you need to cover death or disability. Serving Philadelphia, Reading, Lancaster, Lehigh Valley & beyond.
image: https://www.aigltd.com/hubfs/Business-Insurance-Agency-Reading-Philadelphia-PA.jpg
---

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## Business Insurance in the Event of a Death or Disability

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Thu, Sep 17, 2015

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[![Do you know your business insurance needs in the event of death or disability? We're a PA business insurance agency who can help. Serving Reading, Philadelphia, Lancaster, Harrisburg, York, Allentown, Lehigh Valley, Pittsburgh, Erie, PA and beyond.](https://www.aigltd.com/hubfs/Business-Insurance-Agency-Reading-Philadelphia-PA.jpg "Do you know your business insurance needs in the event of death or disability? We're a PA business insurance agency who can help. Serving Reading, Philadelphia, Lancaster, Harrisburg, York, Allentown, Lehigh Valley, Pittsburgh, Erie, PA and beyond.")](https://www.aigltd.com/contact)When you start a business, you’re full of hope and dreams. The last thing you want to think about is what would happen to your business if you, a co-owner, or a key person within the business were to become disabled or – God forbid – die.

But, as a business owner it is your responsibility to think about these things and plan how you will protect your business, your employees, and your family in the event of one of these tragedies. In order to do that, you need to ask yourself these two questions and then get the proper [business insurance](https://www.aigltd.com/commercial-insurance-small-business) to meet your needs:

***What will happen to my business and family if I die or become disabled?***

***What will happen if certain key employees die or become permanently disabled? ***

## **Here are 4 Types of Business Insurance to Consider:**

### **Disability Buy-Out Insurance**

You may think that if something were to happen to you that your family could jump in and run the business or hire someone to handle the day-to-day management of your business. Unfortunately, that rarely happens. Usually, they don’t have the skills or the where-with-all to make that happen. So, it’s important to create a buy-sell agreement - a contract that would allow remaining owner or owners to buy a deceased, disabled, or retired owner’s share of the business (at a pre-determined agreed upon price). A properly structured and funded buy-sell agreement will ensure that your business partners know exactly what needs to be done and that your family is fairly and promptly compensated.

There are several ways to fund this type of agreement in the event of such a tragedy. You (or your remaining partners) can use cash (assuming you have access to enough cash), pay in installments from current earnings (which could become a financial burden to the business for years to come), take out a loan (assuming you could obtain a business loan after an owner’s death or disability), or use disability buy-out insurance (the only way to guarantee that the cash will be available when needed).

### **Business Overhead Insurance**

If an owner were to become disabled, this insurance would reimburse the business for overhead expenses – such as salaries, taxes, employee benefits, rent, mortgage, utilities, etc. – for one or two years. This often means the difference between a business surviving or closing until the owner can get back on his or her feet.

### **Individual Life Insurance**

What if you or one of the owners were to die? What would happen to your business? You might assume that your family or remaining owners could sell or liquidate the business to ensure their financial security. Unfortunately, this doesn’t usually work. First, who wants to think about selling a business while grieving for the loss of a loved one? Second, when the family is forced to sell the business quickly, they may have to sell at a discount or during market conditions that make the business less attractive. In other cases, the business may be worth very little without the proprietor or partner. Individual life insurance can protect your family by providing funds to cover debts, ongoing living expenses and future plans, in the event that something happens to you. [Life insurance](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance) can also be structured to fund a buy-sell agreement.

### **Key Person Insurance**

This is another essential component of a smart business continuation plan. [Key person insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/193889/Key-Person-Life-Insurance-and-Million-Dollar-Legs) is life or disability insurance purchased by the business on an employee/owner that is essential to the running of the business. It is payable to the business. When a key person dies or becomes disabled, insurance can help make up for lost sales or earnings or cover the cost of finding or training a replacement.

## **Need Help Finding the Right Business Insurance?**

[![Contact us for help in finding the best PA commercial insurance for your business in Philadelphia, Reading, York, Lancaster, Lebanon, Harrisburg, Allentown, Lehigh Valley, Pittsburgh, Erie, PA and beyond.](https://www.aigltd.com/hs-fs/hubfs/Business-Insurance-Agency-Reading-Philadelphia-PA.jpg?width=150&name=Business-Insurance-Agency-Reading-Philadelphia-PA.jpg "Contact us for help in finding the best PA commercial insurance for your business in Philadelphia, Reading, York, Lancaster, Lebanon, Harrisburg, Allentown, Lehigh Valley, Pittsburgh, Erie, PA and beyond.")](https://www.aigltd.com/contact)Don’t take chances. It’s your responsibility for protecting your family, employees, and your business. Make sure that you plan for the unexpected with the right business insurance and individual life insurance.

**[Contact us](https://www.aigltd.com/contact)** at **(800) 947-1270 or (610) 775-3848**; we can help you determine the right insurance to protect your assets. As independent insurance agents, we'll shop among competing insurance providers to find you the right insurance at the best price. Call or click today.

 Tags: [Business Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-reading-pa), [Business Insurance Berks](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-berks), [Business Insurance Philadelphia Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-philadelphia-pa), [Business Insurance Lancaster Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-lancaster-pa), [Business Insurance Harrisburg Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-harrisburg-pa), [Key Person Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/key-person-insurance), [Commercial Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance), [Business Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-allentown-pa), [Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance), [Pennsylvania Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pennsylvania-business-insurance), [Life Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance), [Business Overhead Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-overhead-insurance), [Disability Buy-Out Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disability-buy-out-insurance)

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