The San Diego firestorm (and yes, I live in a threaten area near Fallbrook in north San Diego county) reminds us just how important it is to be prepared for a disaster. For a business, this means having one or backup copies of critical records. Studies have demonstrated time and again that businesses which are unable to recover critical information typically fail after a disaster.
And it's not enough to just have a backup copy of important information. You need to have backups that are stored off-site or are at least portable. For those of you who operate home businesses, backup your data daily to removeable disks (e.g., a zip drive or memory stick) or to a portable external drive that can be quickly disconnected and thrown into a travel bag. Some home businesses even use different memory sticks for specific files. Store at least one copy off-site (someone else's home, a safe deposit box, etc.). Have a dedicated fire-proof and water-proof safe box to preserve data stored on removeable storage devices.
Ideally, critical data should be backed up to a remote site that can be readily accessed from any location for fast recovery. Inexpensive online services, like Carbonite, that provide continuous, secure background backup over the Internet are a good, easy solution.
Don't feel snug if you have important information in an online Website database and not at your your business or home office location. After all, what happens if the Website location suffers a fire, flood, tornado or terrorist event? Always download and backup your Website on a periodic basis. Likewise, maintain duplicate backup files of really critical information, rather than entirely trusting your livelihood to a remote backup site.
Finally, make sure your backup solution allows you to quickly access or repopulate data. It does no good to protect critical information if you run into problems when you try to restore it.
You won't realize how very important your business records are until you actually face a disaster...and by then it's too late if you haven't taken prior precautions.