Until some inattentive driver, or nervous mugger, or brain aneurysm sends you right off this mortal coil into the next plane of existence. Every year, the odds increase that you'll join them, and it may well be unexpected. But there's really no excuse for letting your death mess up your business and the people who depend on it. Accessible is the key word here. Insurance is easy, if costly.
Liquid reserves are doable.
But planning is difficult. Of course, it can be even more problematic if you DON'T die suddenly, but fall seriously ill. Someone dealing with such an illness shouldn't be forced to figure out what has to happen so that business life goes on. If Miss America abdicates, the runner-up assumes the crown, but that point isn't so easy to define in real life. Now may not be the easiest time to address these issues.