Small businesses by their very nature are often more prone  to losses and risk due to their limited resources, lack of controls, reliance on third party service providers, a lack of segregation of duties and the fact that the owner is required to multi-task and primarily focus his attention on doing business!!!   It is easy to feel that as you are effectively in control of everything that you have eliminated most risks in your business. Unfortunately this is not the case and many such businesses cease to exist immediately upon the unexpected death or permanent disablement of the founder/controller/owner. There are also always many risks out there that the business operators are not aware off.     There are numerous examples of businesses and organisations that literally “died” the day they unexpectedly lost their key operator or key executive teams. The losers are invariably family members, employees and other stakeholders who are left trying to pick up the pieces.

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