If you are running a business you need a reliable computer infrastructure and a loss of a vital piece of equipment at the wrong time could have serious consequences. With todays moden computer systems and software you can virtually automate everything including updates and backup. If your computer contains data that is absolutly vital it is a good idea to have a raid (mirrored) system in case a hard drive fails. inexpensive with a simple raid card and another hard drive. If you have power failures or fluctuations on a regular basis then a UPS is cheap insurance and some even low cost ones include insurance to cover equipment loss caused by a power spike or surge. Linux is not a fix either although it is a good operating system (I run it on several machines) it still doesn't prevent hard drive failures of power surges ie: Data Loss.
John