In fact, there aren't many truly knowledgeable independent sources of information, say the National Flood Insurance Program and the Small Business Administration. So your main option is to be thorough and vigilant. Don't be embarrassed to bombard your agent with questions about exemptions. You can't insure the loss of your customers, but you can insure the loss of your income. Small-business owners also need a disaster plan that includes backing up all office information, from computer files to lists of customer and employee names and addresses, and keep it at home.
Most people hate insurance.
But like Al Crisp, they buy it anyway because it beats the soggy alternative.