It’s late at night, and the car ahead of you is driving erratically, swerving in and out of its lane, even running over rumble strips on the road’s shoulder. The person behind the wheel may not be under the influence of...

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Hurricane Irma, which struck in late summer 2017, caused estimated insurance losses in Florida of $8 billion, including 3,840 business interruption claims. Disasters cost inoperable small businesses an average of $3,000...

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