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

It can be the best of times if you are running your businesswell, finding a niche in which you can thrive and experiencingsuccess. However, the worst of times can be inflicted upon you byoutside forces: crime, weather or some other power beyond yourcontrol.

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 relativelybenign year for hurricanes in the United States, they still causedtens of millions of dollars in damage. Last year there were atleast 831 confirmed tornadoes in the United States according to theNOAA. Now as we head toward summer, we’re looking at the start ofanother tornado season in the Midwest, and hurricane season in theSoutheast.

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