Lots of dismal pictures on the news this past weekend between the floodwaters in America's breadbasket and the Tim Russert headshot with born and deceased dates underneath. My heart goes out to all of the people why have been devastated by these tragedies. No wonder folks are turning the TV off. Seeing those images makes me feel very helpless.

We've come to think of disasters as weather-or fire-related. But losing a leader can also be a disaster for a business. NBC is certainly reeling from their loss.

We don't like to think about disaster planning. It sounds ominous, but heaven forbid you find yourself in five feet of water or with your store manager in the hospital you'll be glad you planned. If it is easier, think of this way, if you carry an umbrella it's less likely to rain. By taking action now you'll feel less helpless later.

Some things to consider:

• Do you have an exit plan in case of a fire? Are youre employees aware of it?
  
• Do you remove the CD after you back up your computer and take it OFF the premises?
• What would you do if you or your store manager was unexpectedly incapacitated? Would your employees know how/be able to keep your business going?
• How would you get in touch with employees or their family members in case of a weather event or emergency?

You need insurance but you need plans as well. You can find a consultant to help you in that area but there are plenty of free or very inexpensive resources in your community- your local fire marshal and American Red Cross Chapter for example. I'll be posting some past articles from C.N.A. that offer some additional resources as well.

The plans you lay now could save your business... or a life. Carry the umbrella, you won't be sorry you did.--Beth

P.S. Tim Russert, the election won't be the same without you.