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This recent graphic from Swiss Re that charts the amount of insured losses per year since 1970 clearly demonstrates that the bulk of losses were due to weather-related causes or earthquakes, with the biggest losses directly attributable to earthquakes and hurricanes. In the last forty-two years, only one year had significant losses not due to an earthquake or a weather related phenomenon, and that was the year of the September 11th attacks. Except for these attacks, losses from mad-mad disasters never exceeded 10 Billion, even in years where losses exceeded 120 Billion. So while it’s a good idea to have the standard insurance suite of fire, theft, and liability — where your supply chain is concerned, a natural (weather-related) disaster is going to be MUCH more costly.