Whether you live and work in an earthquake zone, the pathway of hurricanes, the snow-belt, the Mississippi River flood plain or in tornado territory – natural disasters will pose a threat to your small business. You may think you have taken reasonable precautions against the most common ones, like a fire or burst pipes. But in all likelihood, you probably have not been spending most of your time contemplating how the forces of nature can undermine your years of hard work.

The New Year has come and gone, and with parts of the ACA beginning to go into effect, healthcare is definitely on everyone’s mind. However, one thing that should also be part of the conversation is the fact that your ultimate goal should be to keep yourself out of the doctor’s office as much as possible in the first place.