No matter where you live, you've probably seen the heartbreaking photos of the wildfires spreading through California with no end in sight. For those in the affected areas, staying safe is of paramount importance. For business owners, another significant consideration is preserving their income from the business and resuming normal operations as soon as possible. Many are reading their insurance policies carefully and calling their agents and brokers to understand what coverage they have — and what they might be able to add.

According to the latest reports, California Gov. Newsome has declared a statewide emergency with hundreds of thousands of people evacuated and millions more without power. No doubt, business owners are wondering how to calculate losses from the fires, the power outages and the mandatory evacuations ordered by state and local governments. They're also wondering whether they'll ever be able to reopen.