Having the right business insurance in place can make all the difference in recovering from a disaster.  Business insurance coverages extend to property; operations; and cash flow. There is Commercial Property Insurance, Commercial Vehicle Insurance, as well as, Home-Based Business Insurance. There is Commercial General Liability Insurance, Product Liability Insurance, and Professional Liability Insurance.  There are also many forms of Business Interruption Insurance, and most recently, Cyber Security Insurance. Having an insurance professional who specializes in Commercial Business insurance can be a tremendous advantage in choosing the best coverage for you. And do not underestimate the importance of doing a yearly review. Businesses naturally fluctuate and being overly insured is unnecessary, while being underinsured can put you out of business for good.