This is a good point to consider, though. How do we protect ourselves and our income in case of an emergency, as far as our ToS goes?

In most cases, commissioners are usually understanding enough to realize that we're not infallible and allow for extra time for completion in the case of an emergency/accident/illness.

I guess it's just a matter of business. If a business is closed and has appointments for that day, they don't get to keep the money even though they didn't get to those appointments.

Is there anything that should be included in the ToS for emergency situations?