[brudgers]

The best risk management for a small business is a legal structure that makes it easy to avoid holding more than $250k in the business. Because lawsuits. Talk to your lawyer. Though of course a business can still be small and unable to avoid this.

The second best strategy is to disperse accounts. Talk to your accountant.

And talk to your banker.

Rolling your own solution based on internet advice probably isn't the worst approach, but it could be in the running.

Good luck.