Those who develop and write emergency management plans should be familiar with the Moltke the Elder quote, “No plan survives contact with the enemy.” While there are several versions of it floating ...

Whether these events are natural, like hurricanes, or man-made, such as deliberate acts of destruction, they can have a crippling effect on businesses and employees. Insurance can replace buildings, ...

Doug Wintemute is a staff writer for Forbes Advisor. After completing his master’s in English at York University, he began his writing career in the higher education space. Over the past decade, Doug ...