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While tornadoes start tearing up the Midwest every spring, and hurricanes hit the East Coast hardest as summer ends, earthquakes don't follow that kind of pattern. That may lull some risk managers into a false sense of security because when the earth shakes, even minor damage can be devastating for a business.

The projected number of U.S. deaths as a result of an influenza pandemic is more than 1.7 million over an 18-month period. Nearly half of those victims will be between the ages of 15 and 44. The Centers for Disease Control and Prevention estimate the economic impact to the United States at $71.3 billion to $166.5 billion.