What happens to you, your family, your business if, God forbid, you are seriously injured, or worse? What contingencies do you guys have set up? Im more concerned with the small operators. Myself, my disability insurance kicks in after 90 days, but besides that I havent really thought about it. I suppose, once I heal, Id just start over with new accounts, or sell my equipment and start a new venture. If its "light at the end of the tunnel" time my life insurance policy should take care of things.