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Nearly one-fourth of all businesses that close because of a disaster never reopen, according to the Institute for Business & Home Safety.

That's why it's crucial that you adequately insure your business and have an effective emergency preparedness plan in place. You've worked hard to build your business.

Now work hard to protect your investment against a fire, theft or earthquake by understanding your insurance policy.

Business Insurance Resources:

Sources: Insurance Information Institute, Institute for Business & Home Safety