The stock:
A fire in the garage could destroy all the Business’s stock (the items for sale) at
once, making it impossible for the Business to continue until new stock could be
obtained, and costing the Business thousands of dollars in stock replacement costs.
This is not likely, however, for reasons already described.
A flood, likewise, could destroy much of the Business’s stock at once. A good bit
of the stock is stored in plastic totes that would protect the stock and would even float.
They are also stored on shelves above floor level. However, a flood is significantly less
likely than a fire to have real impact on the Business, as there is a 40’ deep ravine ten
feet behind the house, ensuring excellent drainage, to say the least.
A break-in to the garage could theoretically be a problem, as stock could be
stolen. However, the house does not look out of the ordinary and the Business sells in
a niche market: the stock cannot be readily pawned or fenced. The trailer used to haul
stock to trade shows was broken into last spring, and the thieves took nothing: they
looked at the stock and saw nothing that they perceived to be of value. Therefore, this
actually causing the business significant pain is a low likelihood.