Pitfall of being a sole proprietor

Last week, I was bitten by a cat. All work related to the bakery was put on hold because I could barely walk. And so I had a lot of time to think. These are my realizations:

• If I'm sick, my business should not be affected. There has to be continuity plans so that income would not stop.
• Covering employees with a health card is probably a good idea. This is worth exploring. 
• Philhealth does not cover cat bites.