Entrepreneur magazine online has a helpful article on the different types of insurance recommended for the small business owner.
Of particular note is what is said about disability insurance: Because you are your business’s most vital asset, many experts recommend buying disability insurance for yourself and key employees from day one. We highly recommend key employee disability insurance to cover your key employees.
The article goes on to discuss an often overlooked type of disability insurance that covers expenses of the business called disability overhead expense insurance which is available through the ProtectYourIncome.com site.