The document discusses the importance of business insurance for protecting companies from natural disasters. It notes that 25% of businesses cannot resume operations after a major disaster without proper insurance. The document provides three key things businesses should do to plan for natural disasters: 1) create a disaster recovery plan including an emergency kit and backup documents/plans, 2) get business interruption insurance to cover lost income, and 3) review current insurance policies and ensure adequate standalone coverage for disasters like earthquakes and floods. Having business insurance provides protection and peace of mind for unexpected catastrophes.

1. Don't Wait for Disaster to Hit. Business Insurance is a Must
for Every Business.

2. You think it will never happen until it happens to you.
That's exactly what happened to small businesses in five
states this week. More than 150 tornadoes devastated
people's homes and personal lives as well as many small
businesses.

3. As soon as disasters like this happen, you start to see
statistics popping up on blogs and news sites. Here's one
that may resonate with business owners. Without the
proper business insurance, 25% of companies are unable
to resume operations after a major disaster, according to
the Insurance Institute for Business Home & Safety.

4. Think about it. If the whole country was hit with a huge
natural disaster, that would mean one quarter of all the
companies in the U.S. would be wiped out. That's a lot.

5. As an entrepreneur, getting business insurance for natural
disasters may not be at the top of your to-do list. But it
should be. If a natural disaster hits and you have no
business insurance in place, your business and overall
finances could be severely affected by the lack of
planning.

6. You don't want to become a statistic. You've put too much
hard work and sweat into your business. So here are 3
things you should do to plan for a natural disaster.

7. 1. Create a natural disaster recover plan

8. • Buy an emergency kit from red cross

9. • Be paperless / web based. Then if any of your
documents are destroyed in a natural disaster, you will
have a backup copy. If you are not paperless, store your
important documents at a remote location.

10. • Have backup plan to conduct business
somewhere else.

11. 2. Get Business Interruption Insurance

12. • This business insurance reimburses your
company for income it would have earned if it weren't for
the natural disaster.

13. • Review how long the business insurance
coverage is and how long the payout is.

14. 3. Review your current business insurance policy. Call your
insurance broker/insurer. See what is covered and what
isn't. You may have to buy a stand alone policy that covers
natural disasters like earthquakes, floods and tornadoes.

15. Business insurance is all about protecting your assets in
the event of a catastrophe. How do you know if you need
it? Do this what-if scenario. If a catastrophe could wipe
you out financially, then you probably need business
insurance. That way, you will be protected when the
unexpected happens. Now that's some peace of mind,
right?

16. http://www.youtube.com/watch?v=ApQ8Ut5r1AQ/