Protect your data.
As much as our dark imaginations lead us to conjure that our world will devolve into some sort of Cormac McCarthy post-apocalyptic cannibal-fest, sometimes it just comes down to having to step away from your business for a while until a crisis passes.
Fire. Earthquake. Flood. Whatever it is, you want to step away with the confidence your information -- and therefore your business and livelihood -- is safe until you get back.
I, and many of my geek friends, have been impressed with what Auburn, Calif.-based ioSafe is doing with its fireproof and waterproof external hard drives. This $230 unit is essentially indestructible, fast and big enough to save all your work. Quite simply, there is no reason not to have one.