Many businesses have a key person who is responsible for the majority of profits, or has a unique and hard-to-replace skill set. The loss of this person from the business could cause a significant financial loss. To help ensure that the business will continue in a successful manner, an employer may take out a key person insurance policy on the life or disability of that employee. The employer does this to offset the costs of replacing and training a new employee, and losses in production or profits that a business will likely suffer in the event of the loss of a key person. PCG offers a variety of high-limit, comprehensive key-person insurance coverage for employees and executives.