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.

By talking to clients and prospects about these exposures and issues, agents and brokers strengthen their role as trusted advisors and ensure their clients have the right risk management and insurance products in place.