Response:
"Personal disability income is for personal and family needs; business overhead covers your business expenses, and the premiums are fully tax-deductible. Doesn't it make sense to let Uncle Sam help pay the premiums to keep your business open if you're disabled?"

Objection:
"We could easily shut down for a short while."

Response:
"A serious illness or sickness could last for months. Could you be out of business that long? When was the last time you even took a long vacation? Even if you shut down for just a few weeks, you could lose clients/customers and never get them back."