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If you own or manage a business, you know the unexpected can happen anywhere, anytime. When you least expect it, business interruption can deal a crippling blow to your ability to serve your customers and cover your overhead.

Recently, we’ve seen the unfortunate results of business interruption. As 2014 wound to a close, one of the year’s biggest news stories involved the protests in Ferguson, Missouri. The community teetered on the brink of chaos on several occasions, and the news images broadcast from the region were troubling.

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