Action Plan?

Last night I fell down the basement stairs carrying a box of books and pictures frames in preparation of converting my guest room into my home office for my new job.  I slipped on something I left on the side of the stairs and skidded down them on my back dropping the box with a loud crash and sending pieces of glass everywhere.  I hurt my back and it's sore today. I'm okay but it scared the shit out of me.  The twins were asleep two floors up with their door closed.  I was in my PJs and didn't have my phone on me.  What if I really hurt myself and couldn't move?  It would be a good twelve hours before anyone missed me.   

I lived alone for twelve years before the twins came and didn't give this a second thought.  Now that they're here, everything is different including me trying to take better care of myself for them. (and being less careless!)

I know it's impossible to predict something bad happening and the reality is something really bad could happen at any time.  How does one take precautions for their children just in case?  Is it possible?  Do any of you have any kind of check-in/action plan in place?  I'm not talking about a will (although I still need to finalize that).  I'm talking about an immediate need for help when you can't get to a phone.  This time of year I don't see my neighbors much.  I doubt they would notice if my car didn't leave the garage one morning.  My thoughts are all over the place today.  I think this back pain is making me nuts...