Business-interruption insurance can protect you from fires, floods, and other disasters, but are you covered for the loss of your Internet connection? With ISP's shutting their doors around the country, you need to have a back-up plan in place in case your ISP pulls the plug.

There are a few insurers that do provide coverage for temporary disruptions in service, but it appears there are no insurers that provide loss coverage when an ISP shuts the doors for good. Before you find yourself scrambling to find another provider to get your firm connected again, you may want to contact your insurance agent to find out more about how to cover your Internet connection in the event of your carrier terminating its service.

In order to make a smoother transition in the event that your ISP stops service, it may be smart to have a back-up carrier lined up. Investigate other carriers in your area, speak with a representative about a back-up plan, and make a commitment to have at least two alternatives.