Ask HN: Tech support/emergency contact for small business

We are a small company with only one technical person. This poses a couple of problematic scenarios;

- The technical person must always be available for support if something goes wrong.

- If the technical person is hit by a bus, there's going to be trouble for the company.

I'm curious how others have dealt with these issues, other than hiring another technical person.

Have you hooked up friends/family? Companies to recommend? Some type of insurance (for point 2)?