As I interact with camp and retreat centers, church leaders, business administrators and risk managers today, I am often asked what risk I feel is the worst for today's religious orgainzation to deal with.  If the engine is removed, how long will the train continue to move?  The key person risk stands out as it is really no different than the family that protects those who produce the income and the possible income loss, as well as the person who may not be the main income producers but who is also a key person in making the family function and survive. This risk can affect an organization at the most critical times of its ministry, and it will sometimes bring total destruction to the ministry because it is often the least prepared for or even thought of.  From what I have seen when reviewing presented losses, key person insurance is as critical today as liability coverage. Both causes of loss can cause the demise of the organization in a very abrupt and painful manner.  For most organizations, this risk can be covered for just a few hundred dollars per year. The most critical times for this, though it is not limited to just these, for medium to large organizations and the fairly new organization, are: