What Is Key Person Disability Insurance? 
With Key Person disability insurance , if a vital employee becomes disabled , the business will receive disability income to cover the financial loss of the missing employee . And if a business has more than one key employee whose absence would bring the business to a halt , then Key Person disability insurance can be purchased for more than one person in the business . Any business that would find it hard to replace a vital employee needs Key Person disability insurance . Much like the saying , if a business puts all its eggs in the basket of one person , it wont be able to sustain itself should that person become disabled . 