Passing the "Bus Test" - could your business survive?

On the forums where founders vent - there is a grim but necessary hypothetical known as the "Bus Test".

The question is simple: If you, or your "superstar" operations manager, were hit by a bus tomorrow, would your business still be running in a month?

Why your greatest risk is internal and how to fix it

Most founders lie awake worrying about the "Big Three": 

market shifts, aggressive competitors, and the external economy. 

But what about within your business?.