Sometimes it pays to be paranoid. When it comes to planning for disaster, in fact, its almost a necessity. Anyone can imagine a hard-drive crash; a good disaster plan considers an asteroid strike. You might even think of the planning as the fun partthinking about what might go wrong. The un-fun part is when it actually does.

Disaster plans that focus on graphic, end-of-the-spectrum examples are tempting. And, thanks to last September, theyre a little less fictional. But disasters on that scale remain, thankfully, rare events, and your planning should focus on more realistic thingsthose that are a lot more likely to hit your business.

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