It’s a fact of life that things break down. (And they usually do at the worst possible time, but that’s another story.)

Many of us have at one time felt like everything in the house is malfunctioning. But what about when something in your business breaks down? Would you be able to keep your doors open and make payroll if a critical piece of equipment wasn’t working?

Unfortunately, these situations happen. And when they do, they can be devastating to a business.

By Barbara Marquand

The question of whether to buy life insurance for children sparks strong debate about the value of such policies.