Entrepreneurs are known to take risks. But when it comes to dealing with Mother Nature, erring on the side of caution may be a smart move.

　　企業(yè)家總是面臨各種各樣的風(fēng)險(xiǎn)。想要應(yīng)付自然災(zāi)害一類的天災(zāi)，還真是需要防患于未然。

　　Just this week, an earthquake centered in Virginia shook much of the East Coast and a hurricane is expected to hit Florida on Thursday.

　　 就在最近，弗吉尼亞州發(fā)生了一場(chǎng)地震，東海岸大部分地區(qū)都受到了重創(chuàng)。佛羅里達(dá)州近期也有一場(chǎng)颶風(fēng)。

　　Business owners can minimize potential harm from a natural disaster or severe storm by taking the following precautions:

　　若想要在自然災(zāi)害或是特大風(fēng)暴中盡可能減少損失，企業(yè)家應(yīng)當(dāng)做到如下幾條:

　　1. Review the fine print on your company's insurance policy. Consider, for example, that hazard insurance doesn't necessarily cover flood insurance.

　　1. 仔細(xì)查看公司的保險(xiǎn)條款，比如，看看里面的巨災(zāi)險(xiǎn)中是否包括了洪水災(zāi)。

　　2. Make copies of your insurance policy and financial records and store them in a safe place away from your business.

　　2. 將公司的保險(xiǎn)條款文件和財(cái)務(wù)報(bào)表復(fù)印好，存放在公司以外的安全地方。

　　3. Create a checklist that addresses plans for short-term relocation, data back-up and communication systems.

　　3. 列一個(gè)清單，上面記錄好短期的重新安置方案，以及如何做好數(shù)據(jù)備份和通訊系統(tǒng)恢復(fù)等工作。

　　4. Provide supervisors and employees with instructions on what they should do in the event of an emergency. Remind them of it at least once a year.

　　4. 為公司的領(lǐng)導(dǎo)和員工配發(fā)求生指南，指導(dǎo)他們?cè)诰o急情況下應(yīng)如何應(yīng)對(duì)。提醒他們至少一年溫習(xí)一次。

　　5. Regularly update employee, customer and vendor contact information and store copies in a remote location.

　　5. 經(jīng)常更新員工、客戶和供應(yīng)商的聯(lián)系方式，將備份文件存放在遠(yuǎn)離公司的地方。

　　6. Regularly check that gas lines, water heaters and other hazardous equipment are secure. Likewise, make sure ceiling lights, windows, picture frames, bookshelves and other hanging fixtures items are properly braced.

　　6. 經(jīng)常檢查天然氣管道、熱水器和其他可能造成災(zāi)害的設(shè)施，確保安全。同樣，也要檢查吊燈、窗戶、畫框、書架和其他一些掛件，確保這些東西安放得很牢固。

　　7. Check the quality of your establishment's roof at least once a year. A well-functioning roof should be able to protect the entire structure.

　　7. 每年至少檢測(cè)一次房屋的屋頂狀況。如果屋頂夠堅(jiān)固，就可以有效保護(hù)整個(gè)建筑，減少災(zāi)害造成的損失。

　　8. Consider building a safe room to protect against extreme winds. Click here to see design tips from FEMA.

　　8. 考慮建一間安全房間來(lái)應(yīng)對(duì)可能的大風(fēng)。可以點(diǎn)擊這里查看美國(guó)聯(lián)邦緊急事務(wù)管理局（FEMA）提供的設(shè)計(jì)建議。