I like the lean startup approach and our company has been set up to minimise its fixed costs. So we have one founder (me) "inside" but our development team, finance partner, attorney etc is "outside" and on variable cost terms. We even try to crowdsource what we can.
In raising money, I've been asked what happens to the company if something happens to me. Whilst our development team are also charged with the weekly running of our site, the marketing, customer feedback and interaction (not support desk - that's the dev company), growth channels and general management would be affected.
Surely there is a more creative approach than bringing someone else "inside" just to mitigate that risk? I know that keyman insurance is a possible option but how do others on this forum tackle it?