A topic which comes up periodically in the running-small-Internet-businesses community: what do you do in terms of contingency planning around a bus factor of one? The brief version of my answer, in an HN comment: https://news.ycombinator.com/item?id=21908638 … Briefer version: term life insurance.
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Professional labor costs what it costs. Term life insurance is, in most cases, a cheap, adequate substitute.
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Sidenote: interesting how the widespread availability of a B2C financial product solves a very real, very acute need for a relatively narrow class of extremely specialized professional/business owner at 5% or less of the cost of a bespoke solution.
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