Do you have a key staff member your business couldn't run without? If the answer is yes, you need key man insurance or business protection insurance. Its as simple as that. If you have a member of staff integral to the running of your business protecting them is of upmost importance. In almost any business there will be key members of staff which make a key contribution to the company's profitability and general running. These tend to be managing directors, technology specialists and sales managers.
There is no replacement for good SEO and content on any website. Good SEO and content can get your site indexed quickly. Even if you index quickly, getting traffic to your site takes time and effort. Traffic? Yes, high traffic means increased sales and profits for you.