Starting a business is always a risk. According to the U.S. Small Business Administration, a third of all businesses fail within two years. New owners have to build a customer base, manage costs, comply with local, state and federal taxes and regulations and find good employees, all while trying to maintain their original visions for their companies. But half of all small businesses survive at least five years, and businesses with fewer than 10 employees make up 75 percent of private-sector