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What happens if your business loses a key employee to death, disability or severe illness?
Business continuity is one critical aspect that should be considered.
How do I ensure business continuity?

Buy and Sell Agreement

A Buy-and-sell agreement is where one of the co-owners dies or becomes disabled.
The deceased estate of the co-owner who has died or became disabled is obliged to sell its interest in the business to the surviving co-owner.
The surviving co-owner is then obliged to buy this interest in the business from the disabled co-owner or the deceased estate of the co-owner who’s died.

Key Person Assurance

A deceased co-owner might be a key person of the business whose skills or relationships with customers and suppliers is critical to the success of the business.


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