Read this story from Werner, about insurance companies not willing to sell you an insurance if there's any risk involved. You know, Werner, we told our insurance company not to bother anymore, figuring out alternative schemes to sell us an income insurance - with a four year waiting period for a re-evaluation of my back, in order to decide on eventual future income coverage should I have another problem with my back. As I jokingly told the friendly lady who was trying to sell us this bad deal, I couldn't quite understand how women eventually get insured for anything, because of their built-in predestination for pregnancy, which can become a serious medical condition as well.
We also had another reason for dropping the income insurance offer. If you're a small company, and anybody gets sick or has to leave for an extended period, you'll get into problems anyhow: people do not only cost money to a company, they also add a lot of value to it. And that value cannot easily be guessed, let alone be insured.