What Is Key Man Disability Insurance? 
Key Man DI -LRB- also known as Key Person DI -RRB- is a coverage that would pay benefits to a business to cover the financial loss if a vital employee became disabled due to an illness or injury . Any business that would find it hard to replace an employee , or any business that wouldnt be able to function without a specific employee , needs Key Man DI . And if a company had more than one key person whose absence would bring the business to a halt , then DI can be purchased for more than one Key Man . '' 