Some may affect the ability of the business to continue beyond the life of the owner. Start a file today of information that may be needed by your management team and key employees to keep the business running. If you have a business, the organization will run beyond your life. If that is your intent, than you need to make plans for someone to control and manage the firm. This includes insurance policies, financial information, wills and trusts, buy-sell agreements and other critical information.
Many business owners have a safety deposit box at a bank where essential information is kept.
The problem is, they are usually the only ones who have a key to the box, and they are the only ones who know what is in the box. Make sure that at least two people know where the critical information is located, and that they have access to it in case of your sudden death. Many businesses rely on key employees who are not owners. I have heard stories of people who are employees at a company for years. These individuals have loyalty to the owner.