Jensen is the sole owner and operator of a small embroidering firm called “Stitch This” which designs and creates promotional goods for other businesses and sports teams. “Stitch This” has three employees who work under Jensen’s direction. Jensen is concerned that if he were to become disabled and unable to work for a period of time, not only would he lose his income, but his business may not be able to survive considering the ongoing operating expenses. Which of the following insurance policies would BEST address the needs of “Stitch This”?