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In my book \u201cThe Success Factor<\/em><\/strong>\u201d I share with readers how important it is to \u201cPlan for the Unpredictable<\/em>\u201d as a means of insulating your small business or start-up from the perils of the unexpected.\u00a0We are witnessing daily the importance of this notion as we watch the horrors of Hurricane Harvey play out in the Gulf coast region of Texas.<\/p>\n It is human nature and so very common to put things off and not plan adequately.\u00a0Your reasons can go from not really wanting to face-up to the unexpected and ask the hard questions, to the basic\u00a0\u201cnah\u2026.it won\u2019t ever happen to me\u201d\u00a0However, in the advent that it does, what do you do now?<\/p>\n To avoid this, or at least diminish its potential repercussions on your small business, why not begin by asking yourself\u00a0\u201cwhat have I been putting off\u201d?<\/em>\u00a0that really needs to be addressed to provide you, your business, and your family, protection from the \u201cunpredictable\u201d?<\/p>\n Start with the basics:\u00a0insurance<\/strong>.\u00a0Do you have the adequate life, disability, liability, and workman\u2019s comp coverage to protect you, your business, employees, and family?\u00a0When examining your particular business, do you have key man insurance, or alternatively D&O (Directors and Officers) insurance to cover certain fiduciary risks you may be exposed to?<\/p>\n