Savvy organizations realize that, although rare, earthquakes, floods, hurricanes and tsunamis pose a business travel risk that can't be ignored. Natural disasters can leave companies scrambling to ensure their employees' whereabouts and safety.

Recent earthquakes in Ecuador, Japan and Nepal have shown just how essential preparing for the right travel risks can be for HR managers who oversee business travel.

When employers begin their risk management preparations, the stakes are high: They're morally and legally obligated to protect their employees from the risks associated with travel. However, by taking a proactive—not reactive—approach to addressing these risks, employers can improve response times and emergency protocols.

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