The worst time to search for your insurance info is during an emergency. ⚠️📂 A small business emergency kit keeps everything organized so you’re not scrambling during a claim, a client request, or a tech issue. Here’s what every business should keep in three places: 💻 Local files: Downloaded PDFs of your insurance policies, COIs, and contracts so they’re accessible even without Wi-Fi. ☁️ Cloud backup: The same files stored online so you can pull them up from any device if your laptop crashes.