Business interruption insurance is a key risk management strategy for small businesses. (Photo: vinnstock/Shutterstock)

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.

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