Closed for business. There can be economic losses to a business even if an expected catastrophe such as a flood never materializes. (Photo: Shutterstock)

Business owners are probably aware of the various risks a natural disaster can pose to an establishment. Damage from disasters such as earthquakes or floods can equate to hefty losses for a business.

To protect their businesses, most owners purchase some form of commercial property insurance to mitigate losses in the event of a natural disaster occurring. But what if the natural disaster never happens?

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