Insurance...

I am always amazed when people say they buy life insurance 'in case something happens to them' - I have only ever heard of two people who left this earth without dying - Enoch and Elijah. Everybody else has to be prepared for the time when they die; which brings me to my point.
How is your business covered? I'm not talking about life insurance, because I'm sure you've got that covered.
I'm talking about the day to day things that happen in your business:
*what happens to your clients when you die or are unable to work? Do you have a plan in place to make sure they're taken care of?
*what about your current projects? will someone you trust be able to step in and complete the work, or will someone be able to help your current clients find a new partner to finish their work?
*have you already discussed partnering for this with a trusted person in your business? someone whose work ethics are on the same keel as yours, and who can work with your clients to their satisfaction...
*do you have your passwords and file backups in a place that someone can find?
*are you up to date on notes on your clients and prospects, so someone stepping in won't have to start from scratch?
After making sure my family is taken care of, I want to make sure my clients are cared for; I want the transition to their new designer to be an easy one.
Are you prepared?