Bruce J. Carlson

AFTER RECENT disasters like Hurricane Katrina, the Northeast Blackout and the September 11th terrorist attacks, most businesses owners are aware that a disaster could happen. Still, not all businesses have taken action to prevent, prepare for and recover from one. Most believe it never will happen to them and are willing to accept the risk, often without analyzing what that means. Large disasters may not happen to you, but small disasters can and do happen somewhere, every day. Webster’s defines disaster as “a calamitous event, especially one occurring suddenly and causing great loss of life, damage or hardship.” A business disaster could