To be prepare for a disaster, first you need to determine the greatest threats to your business, the likelihood for each of those threats, how severe each event could be, and the potential affect on each business function. (Photo: iStock)

As an insurance professional with more than 38 years of experience who has been on the ground many times when catastrophes strike, I’ve seen first hand how devastating natural disasters can be for both individuals and businesses.

While there hasn’t been a major hurricane in years, some of America’s small-business owners may be feeling overconfident — even as we head into the spring storm season.

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