This loss can develop into a major disaster when alternate plans are missing for the entity.  Whether dealing with the loss of a key person by death, retirement, disability, or a desired joy change by either employor or employee the loss can present the same. Alternate plans should include the training of more then one person to do key operations as well as provision of funds to provide time and capital for the possible replacement or worker movement. We offer different insurance plans that can provide funds which should be in addition to emergancy saving plans