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Key Person Insurance
Insurance for the sole trader
The sole trader is also very exposed to their own short-to-medium term absence through disability. If they're not at work, clients will go elsewhere. When they recover and get back to work, the client base has gone and savings have been run down to pay for household groceries and rent on the business premises.
There are some useful insurance options to consider which cover this situation, including personal income protection, business overhead expenses, and locum cover.