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.

An online survey by Nationwide reveals that small-business owners are split when it comes to whether El Nino has increased (37%) or decreased (37%) the likelihood of a natural disaster affecting their company.

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