For every business owner who sees insurance as an unavoidable and unpleasant expense, there's an insurance agent with stories about businesses that survived an emergency--or went under--based on the amount of coverage they had. In fact, r oughly 40-60 percent of small businesses never reopen their doors following a disaster. We sat down with Petaluma State Farm Insurance agent Kendra Cochran to understand the role insurance plays as part of a business's overall risk control and emergency preparedness strategy. Read more here.