A business was established by the U.S. government to help organizations get ready by offering emergency planning advice, including a range of publications and support materials. To remain in business in the event of an emergency, this federal agency recommends that organizations begin with a plan. “Business continuity planning must account for all hazards (both man-made and natural disasters). You should plan in advance to manage any emergency situation. Assess the situation, use common sense and available resources to take care of yourself, your workers and your business’ recovery.” As a next step, Ready Business recommends an open dialogue with “people from all levels.” “Involve co-workers, practice the plan, promote preparedness and let staff members, customers and others know how you will be in contact before and after a disaster.” Finally, Ready Business (http://www.ready.gov/business/) recommends that companies protect their investment by taking steps “to both safeguard your company and your physical assets.” Insurance Coverage is the first step. KMRD Partners provides risk management consulting and property & casualty insurance to protect against potentially catastrophic losses that wait on the other side of one minute from normal. Contact us at firstname.lastname@example.org before one minute from normal strikes your company, and we will identify and correct coverage and service gaps.