I haven't, but a friend of mine has. He had a single developer who built the whole product, and had all the code on his laptop (as far as I know, nowhere else) and was in a car accident. Months later he's still in a coma. Killed the project, lots of angry customers and damn near killed the business.
There's ways to mitigate this though, he should have been using source control and someone else should have at least had access.
From the business angle, you can also get "key man" insurance, to provide some financial safety net. I am key to 3 startups, and all of them have key-man insurance against me.
There's ways to mitigate this though, he should have been using source control and someone else should have at least had access.
From the business angle, you can also get "key man" insurance, to provide some financial safety net. I am key to 3 startups, and all of them have key-man insurance against me.