Sometimes the worst can happen. In business, a natural disaster, such as a flood or earthquake can potentially mean the end of that business. There is no way avert a disaster like this. It is something outside of your control. But it is possible to manage the financial implications if such an event was to take occur.
There are many insurance companies that offer financial protection against natural disasters. But not all of them do as standard. If you suspect that a natural disaster is possible, or your business operates in an area where there is a recorded history of natural disasters, it is wise to ensure that you are insured against these occurrences.
As a counter-argument, natural disasters are out of your control. It is logically pointless to worry about them. Concerning your finances with things that may never happen may even have negative consequences on the standard operation of your business.