Principal Financial Group has launched two new products to help business insure against unforeseen losses. Key Person Replacement allows employers to insure vital employees. If the employee is totally disabled, the business receives the policy's benefits.

Business Loan Protection is a rider attached to the Overhead Expense insurance policy, reimburses the covered business-related loan obligation in the event of the insured owner's total disability.

"It's more than business as usual these days, which is why business owners need to take extra care in protecting their business," said Kevin Farley, vice president of individual disability insurance for the Principal Financial Group. "We're bolstering our disability offering to help ensure businesses can not only stay open, but continue to thrive if a disability strikes a key employee or owner. In today's markets, owners face new challenges and must demonstrate their financial strength and stability to customers, stakeholders and lenders."