Most business owners could probably name at least three things that would hurt if they went wrong tomorrow – and have no plan for any of them. This guide explains what a business continuity plan covers, how to build one, and where Sadler Advisory strengthens the part that often decides whether you come through it: the money.

As a sole director you carry risks employees don't. This guide covers the main types of personal and business protection – income protection, relevant life cover, critical illness cover and business expenses cover – and where good advice makes the difference.

Most business owners insure the things they can see. The premises, the stock, the vans, the professional indemnity that a client contract insisted on. Ask the same owner what happens if the person who holds half the client relationships in their head is off for eight months, and the plan tends to get vague.