When creating a business plan a person or company must account for all of the risks associated with the operation. One of the greatest risks is disability. A business or individual will suffer and may not survive if the owner or a key person becomes disabled. Protect yourself or organization by purchasing a disability income insurance policy. A policy to protect the business differs from an individual policy because the premium can be paid for the business and benefits are paid to the organization to pay for payroll, rent, utilities, taxes, accounting, legal fees, insurance expense and office supplies.