Most every company knows it should have a plan to deal with catastrophe. That’s especially true for shipyards and vessel owners who often ply their trade in hurricane zones, where weather can rip apart a lifetime of work overnight, make confetti out of assets, and leave disarray in its wake. Emergency plans can be simple or complex, depending on the needs of a specific business. There are a number of resources to help business owners create customized plans, including online templates, detailed guidelines and model documents. A company’s insurance agent and carrier can also serve as useful resources for businesses trying to determine what should be in a plan, and how to best position themselves to recover quickly if disaster strikes. A plan by itself, however, is not enough.