In football, the Cover 5 defense provides extra coverage on deep passes. Similarly, as a business owner, you need to play the long game and select coverage to protect yourself and your business in the event that you can no longer work due to a disability. Here are five key disability protection plans that all business owners should have in their playbook.

1. Individual Disability Insurance

This individually purchased and owned policy is designed to protect your income if you cannot work due to illness or insurance, and can cover up to 60% of an individual’s lost salary.

2. Disability Overhead Expense Insurance

This is specifically for business owners to pay business overhead expenses, including rent, utilities, employee salaries and payroll tax, in the event they become disabled or ill and can’t continue to run the business.

3. Disability Buy-Sell Insurance

Disability buy-sell insurance provides the funds to allow a company to continue paying the insured person’s salary or to completely buy their share of the business if their disability is permanent.

4. Bank Loan Disability Insurance

Also known as credit disability insurance, this policy will make payments to an existing loan or line of credit for a specified period of time in the event you are disabled from work due to injury or illness.

5. Key Person Disability Insurance

Key person disability insurance helps a business offset the financial burden of a key contributor being disabled. The business pays for and owns the policy with benefits paid to the business.

By using one or more of these strategies and adding disability insurance to your business playbook, you are protecting your business against the unexpected. In fact, according to a study by the Social Security Administration, one in four people could expect to miss at least one year of work due to a disability, and about one in seven people between the ages of 35 and 65 can expect to become disabled for five years or longer.

You owe it to yourself to draw up a game plan to protect your business in the event that you become disabled. Your insurance advisor can help you determine the best play call for your unique situation. Don’t get caught unprotected — secure coverage today.

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