Just in time for Halloween, Rob and Sara discuss the ways in which freelancers should prepare their businesses in the event of their death or disability. If not carefully and swiftly managed, a successful small business can quickly become in the red. If you would hate to see this happen to your family, it's important to have a plan. That plan includes at bare minimum including someone in your industry who could take over for you and close things out. It's essential to keep all your logins centralized and recorded through something like 1Password or any other service so someone can step in and put holds on your overhead. Then someone needs to collect on your A/R if any invoices are outstanding and manage your client files and information where necessary. Disability and Life Insurance are a very important consideration. Key man insurance for multiple-person companies is a very good idea.