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Most small businesses have a person who quietly holds everything together. They know how the systems work, where things are kept, and who to call when something breaks, usually because they set most of it up themselves. It runs smoothly, right up until the day that person is on holiday, off sick, or leaves, and the business discovers how much of it was living in a single head. This is called key person risk, and it is one of the most common and least recognised vulnerabilitie