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Who Runs Your Business If You Can’t? The Essential Guide to Planning Ahead

When you run a business, you get used to being the one everyone counts on. You plan for growth, manage the day-to-day, and keep the future moving in the right direction. But very few business owners stop to ask the harder question:

What happens if you suddenly can’t be there?
Not just when you pass away — but if you’re sidelined by an illness, injury, long trip abroad, or even a treatment plan that pulls you away for months.

A solid estate plan doesn’t just cover “after death” issues. It also protects your business, your employees, and your family from chaos if you’re temporarily or permanently unable to lead.

Let’s break down what that really looks like.


Why Incapacity Planning Matters (More Than You Think)

Most owners assume they’ll always be at the helm — until something unexpected proves otherwise.

Without a clear backup plan:

  • Your business may have no one with the legal authority to sign contracts, pay bills, manage payroll, or make decisions.
  • Employees may be left without leadership.
  • Client relationships may strain or collapse.
  • Your family or partners may be forced into expensive, slow court proceedings to get permission just to keep the lights on.

Even well-meaning loved ones cannot step in automatically. Banks, vendors, insurers, and partners need legally recognized authority — and that only comes from proper planning.

You wouldn’t leave your business uninsured. Don’t leave it leaderless, either.

The Essential Tools Every Business Owner Should Have


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