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Every business needs an advisory team or group, made up at a minimum of an attorney, an accountant, and an insurance professional, Haut said. They can structure a plan or package of measures that gets triggered by the death, incapacity or departure of a key member of a business’s team. “Especially when you look at partners. If one partner dies, then how does the remaining partner compensate the family of the deceased partner? What does the management control look like once that partner dies? What you don’t want to see is a struggle for control of the company. So, you should have a plan that says, This is what happens. (These are) the steps we need to follow if one of our partners dies,’” Haut said.

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