For business owners, these can be the best or worst of times.

It can be the best of times if you are running your business well, finding a niche in which you can thrive and experiencing success. However, the worst of times can be inflicted upon you by outside forces: crime, weather or some other power beyond your control.

Unfortunately, we see it time and again. Over the past year, we’ve seen businesses trashed by civil disturbances in Ferguson, Missouri, and Baltimore, Maryland. While 2014 was a relatively benign year for hurricanes in the United States, they still caused tens of millions of dollars in damage. Last year there were at least 831 confirmed tornadoes in the United States according to the NOAA. Now as we head toward summer, we’re looking at the start of another tornado season in the Midwest, and hurricane season in the Southeast.

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