Just in time for hurricane season, here's a brochure that provides precautionary advice on, rather than post-trauma coverage of, catastrophes -- How to Survive a Catastrophe, free from the nonprofit Insurance Information Institute (800-942-4242). Among the measures the booklet recommends: (1) Devise a communications strategy to prevent loss of customers should you have to shut down. Unless clients know how to get in touch with you quickly, they'll assume you're out of action for a while and go elsewhere. (2) Set up emergency response plans and train employees to carry them out. Include such continuation-of-business details as having a portable generator to power your computers.

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