Bouncing Back Eric Morgan, president of Morgan + Co., never thought his New Orleans-based media company would be unable to operate due to a catastrophe.

Then Hurricane Katrina hit. Morgan's office was inaccessible for five weeks. Although insurance did not cover all his losses, it helped fund renting and equipping a temporary office as well as making payroll when revenue dried up as the city flooded, says Morgan, who expects sales of $11.5 million this year.

Money can make a difference in how quickly--and even if--a company rebounds from a disaster. Armand J. DiNapoli, a broker for Lockton Companies LLC, an insurance and risk-management firm, suggests reviewing your coverage to be sure you'll have sufficient funds if a catastrophe strikes.