According to the Institute for Business and Home Safety , one out of every four small businesses that encounters a major disaster will never reopen its doors. When combined with an economic environment that has many business owners skimping on even bare minimum coverage, many businesses are severely at risk in a worst-case scenario.  The Wall Street Journal recently offered advice on how to create an effective disaster plan and choose the best insurance . “Most business and home owners, after the fact, wish they had been more diligent about building a solid emergency response plan,” says James Rivera, associate administrator for the Office of Disaster Assistance at the Small Business Administration in. Read More.