Businesses that are forced to close down following a disaster run the risk of never being able to open their doors again. While there’s no way to lower the risk of a natural disaster like a hurricane, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate insurance are keys to recovery.

If you are running a business from your home, you may need insurance to specifically cover your equipment, liability, etc. because home insurance policies exclude business activities. Here are some basics to consider.

A BOP...a Business Owners Policy...can protect your small business against today's most common risks. Since a BOP is prepackaged, there is only one policy to review and it can be more cost effective than purchasing separate policies.

Business interruption insurance can be as vital to your survival as a business as fire insurance. Too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. Business interruption coverage is not sold separately. It is added to a property insurance policy or included in a package policy. Take a few moments to consider if you'd be able to continue business without this protection.