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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.

Whether you have existing accounting-firm clients or want to expand into this market, it’s important to remember that in a time-sensitive business like accounting, disruptions can be costly and damaging to client relationships. From a fire or natural disaster to a disgruntled client or a physical injury that leads to a lawsuit, your clients need to be prepared.

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