"Business and industry of all sizes are susceptible to damage or destruction from natural disasters and man-made catastrophes. Newspapers describe daily the loss of life, suffering, and costly damages caused by tornadoes, hurricanes, earthquakes, fires, chemical spills, and so on. Media coverage of these events has brought significant pressure upon federal, state, and local authorities to plan for disasters, and respond quickly and decisively. This is particularly true in regard to relieving human suffering, as was the case with the August 1992 Hurricane Andrew disaster and subsequent massive response effort in Florida. But what about U.S. business and industry? Are they prepared for disasters? Should they plan? What is business resumption planning? What can they do to be ready? Is insurance enough? What are the risks, the costs, and what should government do to assist? I will address these questions in this paper. Further, I will make recommendations in regard to U.S. policies, and suggest changes for business and industry to adopt in regard to disaster planning."