• Selling Assets: Assuming a market exists and there are no outstanding loans against them, a forced sale of assets can sharply discount the value of whatever is being sold.
• Hiring a Replacment: At what price? And even if a competent replacement can be found and trained soon enough, could the business afford to pay for the same job twice (by paying the disabled person as well as the disabled person's replacement)?
• Accounts Receivable: How long will they continue? A disabled owner may also find collecting receivables difficult.
• Picking Up the Slack: Even if business associates have the necessary knowledge and skills, how long can they handle the extra work? How will they be compensated? With concerns about the owner's recovery, how long will it be before the employees are out looking for other jobs?

The solution that makes the most sense is an insured plan to pay business overhead expenses if the principal becomes disabled.