Protecting What You’ve Built When “You Are the Business”

You told me:

“If I can’t work, the business has no value anyway so I only need personal cover.”

That sounds logical on the surface, but it actually highlights the core reason to consider business protection.

If You’re the Business…

The Business Is at Risk

If clients only work with you, and revenue stops without you, then your business is you. That makes it high risk.

That risk can’t be ignored.

If you were suddenly off work due to illness or injury:

• What happens to active matters?

• Do clients get left in limbo?

• Who steps in to maintain continuity?

Without cover in place, there’s no cash buffer to protect your income, fund support, or keep the lights on during your recovery.

What Happens to Your Clients?

Clients don’t wait. They have a business to run too.

If you’re absent for 3–6 months:

• Will they stay loyal?

• Will they move on and stay gone?

• Would they return if your firm’s reputation has taken a hit?

You could return to work only to find the business you built has evaporated.

And What About Your Team?

Even if you believe others could “go get another job” or “set up on their own”:

• Why lose good people when you could afford to keep them?

• Why not give them a reason to stay loyal during difficult times?

• If they’re good enough to set up shop, they’re good enough to protect.

Protecting the business shows leadership. It shows them you’ve planned for the unexpected and that they matter too.

Business Protection Isn’t About Valuing the Business Today. It’s About Protecting the Option to Rebuild Tomorrow.

If you’re not planning to sell the business, that’s fine.

But ask yourself:

If you were off work for a year, how would you want things to look when you came back?

If you want continuity, client retention, and the option to rebuild, then the business is worth protecting even if it’s just to give you a soft landing later.