If you are worried about clipping your A/D. just turn the gain down. You have a 24bit soundcard? There is no reason to get close to 0dBFS - adjust your gain so the absolute loudest sound you will record peaks at around -9dB and you should be good.
If you are really worried about uncontrolled peaks - have a look at these:
Mercenary Audio - Prism Over Killer Barrel Limiter, pair