You know how the old adage goes: Failing to prepare is preparing to fail.

Alas, as many as 60% of Americans fail to prepare for a disaster.

Emergency response planning should be the solution. Essentially, you never know when disaster will strike. 

Consequently, you put a plan in place beforehand to deal with the potential threat(s).
For small businesses, this can be the difference between staying operational and going insolvent! Disasters of any kind can cost millions of dollars to resolve.