How do small freelancers plan for the future?

If you are a 1-man band (or lady) and you sell apps and provide support, do you ever think about what happens to your clients if you get hit by a bus or get sick and have to shut your business?

How do you plan for this? Its a problem especially if you are on shared plans like selling many apps off 1 Adalo plan or 1 Xano account etc.

Guess you can get a lawyer or someone else (in the event you have passed away or are too sick to communicate) to email your clients pre-made contact list of other developers or agencies.

Iā€™m just curious about whether other people plan for this or even think about this.

Thanks.

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