You might here this saying from an insurance salesman as part of their pitch, but I believe it to be true in everything you do.  It is unfortunate when I see a business after the fact that did not keep up with with their business taxes, payroll taxes, and other obligations.  Ignoring those obligations can be the kind of thing that can shut a business down.  Not necessarily from a legal perspective, but the fact that it can get the business into such a big financial hole that they can never get out of it and recover.  Then they want the CPA to save them where there is not much to be saved.  In the end, is the risk really worth losing the owner losing a business?