Business owners are assisted with the succession planning of their businesses by addressing the various contingent risks in advance. The business, its shareholders, employees and clients can be protected in this way. Business continuity is established via buy and sell-; contingent liability- and loan account cover protecting the estates of the business owners, their partners and the continuity of the business, in the event of death or disability of an owner. There are other needs within a business that may also be important. By doing a thorough business needs analysis, the various needs will be identified and addressed in line with the priorities of the owners.