Which type of insurance provides coverage that may include disability insurance for business protection?

Key Man Life Insurance is specifically designed to provide financial protection for a business when a key individual, whose contributions are crucial to the success of the organization, faces an unforeseen event such as death or disability. This type of insurance helps ensure that the business can withstand the financial impact of losing a key employee or owner and can cover various associated costs or even compensate for lost revenue during the transition period.

In addition to life coverage, Key Man Insurance often includes provisions related to disability, ensuring that the business can manage its operations effectively even if a key individual becomes unable to work for an extended period. This approach helps maintain stability and continuity in operations, preserving the value of the business during challenging times.

Other types of insurance listed do not specifically offer this dual protection. Life insurance generally covers the risk of death but does not address disability. Automobile insurance focuses on vehicle-related risks. General liability insurance protects a business from claims involving bodily injury or property damage, but it does not cover disability for individuals. Thus, the unique features of Key Man Life Insurance make it the most suitable choice for business protection in the context of disability coverage.