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By John P. O’Connor, vice president, strategic product & platform development, Travelers Small Commercial, and Dan Reed, E&O product manager,Travelers Bond & Financial Products

Given the recent deadline for second-quarter 2012 estimated tax payments on June 15, your accounting firm clients have been busier than usual. With another rush of deadlines, they have probably not been thinking about the need to have adequate insurance in place to cover a major setback. But given current economic conditions and increasingly unpredictable weather, small businesses have too much at stake to risk being underinsured.

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