This document discusses business continuity planning for sole proprietorships and multi-owner companies. It addresses four key issues that can arise from an owner's death or disability: continuity of business ownership, loss of the company's financial resources, loss of key talent/the owner, and loss of employees and customers. It provides solutions for each issue, including implementing buy-sell agreements, using life insurance to fund agreements and provide capital, appointing successor management, and creating financial incentives for key employees to remain with the company during a transition.