Many businesses in the UK trading as limited companies or partnerships and while they have taken care of the main protection needs such as insuring their buildings & contents, stock and equipment, they haven't considered very seriously the future of the business in the event of a sudden loss or serious illness of one the main shareholders/partners. 

In some cases, it could mean the business has to stop trading, affecting the livelihood of the people involved. In some others, it could also mean that a shareholder's family is forced to take control of the business they do not know anything about.

The loss of a key shareholder can disrupt a company, but shareholder protection & cross options agreement will minimise this interruption to the business.

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