Your assertions are confounded by the existence and necessity for key-person insurance. https://www.legalandgeneral.com/insurance/business-protection/key-perso

Your assertions are confounded by the existence and necessity for key-person insurance. https://www.legalandgeneral.com/insurance/business-protection/key-person-insurance/ https://www.legalandgeneral.com/insurance/business-protectio... I don't know if you simply haven't worked with people who are unreplaceable or what, but I assure you with genuine confidence that there are people who cannot be replaced without massive disruption and undesirable risk.