Hurricane Irene caught many businesses unprepared when the storm turned inland and wreaked havoc on many parts of New England. Most businesses as well as state and local governments were not prepared for a disaster on the scale of Irene.

Irene's heavy rains caused the kind of severe flooding that had not been seen in New England for a very long time. Many people believe coastal areas are more exposed to hurricanes. However, changing worldwide weather patterns have caused many insurance companies to modify rates, taking into account the frequency of catastrophes occurring in other areas.

The best way to protect your business from a catastrophe is to prepare. The following websites offer information for creating a plan, building an emergency kit and protecting your business and family:

www.ready.gov

www.redcross.org/prepare

www.do1thing.com

Ask your insurance agent or insurance company for help setting up a business continuation plan. Contact us if you'd like help setting up a business continuation plan or preparing your business for disaster. We would be pleased to help you.

Dale (Andy) Sheets has more than 30 years of experience in structuring risk management programs for businesses worldwide. Follow Andy on Twitter @DaleAndySheets and connect with him on LinkedIn.