Owners put years into building a business and comparatively little into protecting it. This booklet is a plain walk through the protection side of the ledger, organized around two questions an owner can answer today: how do I keep the people who matter, and what happens if one of them is suddenly gone.

The first half addresses retention. Salary alone stopped being a differentiator, so the piece lays out the benefit arrangements that give key employees a reason to stay. The second half addresses continuity, covering what happens to the business when an owner or key person dies, becomes disabled, or leaves. It is a good starting document for an owner who has never had a structured conversation about either topic.