When Miami real estate attorney Suzanne Amaducci-Adams takes to the seas for a sailboat race, she braces for disaster. Equipment could break; crew can fall out; boats could capsize or collide; the wind could change direction, slow down or build with force; and storms could form from nowhere.

“You need to plan for the unexpected,” Amaducci-Adams said. “And if something happens, you need to be able to change your course or change your direction on a moment’s notice.”