1. Amanda, Hamza, Noah

2.  A natural disaster is the effect of a natural hazard (e.g., flood, tornado, hurricane, volcanic eruption, earthquake, heat wave, or landslide). It leads to financial, environmental or human losses.

3.  1906 San Francisco earthquake was a disaster, whereas earthquakes are a hazard.

4.  Businesses can insure against natural disaster by purchasing a typical business insurance policy.

5.  Most business need to be caution to the insurance they purchase. Some insurance plans do not cover what some may consider natural disasters, i.e power outages, oil spills, arson, terrorism, even war.