{"componentChunkName":"component---src-templates-articles-index-jsx","path":"/articles/tech-hacks-for-happy-productive-employees/","result":{"data":{"props":{"adsense":true,"adsenseMobile":null,"byLine":null,"canonical":"https://staging.business.com/articles/tech-hacks-for-happy-productive-employees/","content":"\n<p>Ask leaders of companies big and small about the goals for their businesses, and increased productivity will inevitably be in the mix.</p>\r\n<p>And it is no wonder businesses are so focused on productivity. Employees worldwide work an average of 45 hours per week, according to a survey from Microsoft, but they report that <a href=\"https://news.microsoft.com/2005/03/15/survey-finds-workers-average-only-three-productive-days-per-week/\" target=\"_blank\" rel=\"noopener external\">17 of those hours are unproductive</a>. Clearly, even incremental improvements can significantly impact business success. Beyond that, enhanced productivity can drive a happier and healthier work culture; <a href=\"https://www.microsoft.com/en-us/microsoft-365/blog/2017/01/10/survey-mastering-your-productivity-in-2017/\" target=\"_blank\" rel=\"noopener external\">93 percent</a> of workers cite productivity as key to achieving personal happiness.</p>\r\n<p>Unfortunately, recent trends are sapping productivity. First, increasingly sedentary, screen-focused jobs mean many employees spend their working hours sitting relatively still. Many companies, including Apple, are investing in standing desks so employees can alternate positions throughout the day. Tim Cook once called sitting the new cancer, and being able to sit and stand throughout the day can help lower one's <a href=\"http://www.sahealth.sa.gov.au/wps/wcm/connect/public+content/sa+health+internet/healthy+living/is+your+health+at+risk/the+risk+of+sitting+too+much\" title=\"\">potential health risk</a> of obesity and heart disease. In addition to being healthier, consciously spending more time standing or regularly moving around boosts productivity.</p>\r\n<p>Another trend negatively impacting productivity is open workspaces. Here, the major issue is a lack of personal space. A recent survey of 700 high-performing employees across a variety of industries found that <a href=\"http://www.chicagotribune.com/business/success/inc/tca-the-open-office-plan-is-backfiring-20180220-story.html\" target=\"_blank\" rel=\"noopener external\">54 percent</a> of workers find their offices too distracting. In fact, according to another study by office design company Unispace, <a href=\"https://www.thetimes.co.uk/article/workers-sound-off-about-problems-in-open-plan-offices-zct9wq2qd\" title=\"\">more than two hours</a> of face-to-face time with co-workers might actually be too much collaboration. As a result, employees are turning to noise-canceling headphones and work-from-home options to get work done.</p>\r\n<h2>The role of tech in boosting health and productivity</h2>\r\n<p>Many companies are now doing more to promote wellness in the workplace. Along with being good for employees, it is also good for business. In the U.S., employee health-related problems cost companies more than <a href=\"https://gethppy.com/employee-engagement/increasing-employee-morale-health-wellbeing-programs\" target=\"_blank\" rel=\"noopener external\">$225 billion</a> in lost productivity annually, according to the Centers for Disease Control and Prevention.</p>\r\n<p>Wellness programs, designed to positively impact both physical and mental health, improve employee attendance, attitude, and performance. In 2017, researchers from the University of California Riverside, UCLA Anderson, and Washington University also provided a direct link between wellness programs and increased productivity. By comparing productivity data and medical records, researchers found that wellness program participants had increased their productivity by the equivalent of <a href=\"https://www.anderson.ucla.edu/faculty-and-research/anderson-review/wellness\" target=\"_blank\" rel=\"noopener external\">one extra workday</a> per month.</p>\r\n<p>High-performing companies are taking the health and productivity connection seriously – more than 75 percent track employee health as part of the company's overall risk management strategy. To engage employees and drive results, executives tasked with maximizing productivity are turning to technology in three essential ways.</p>\r\n<h3>1. Flex the tech.</h3>\r\n<p>As of 2016, millennials are the <a href=\"http://www.pewresearch.org/fact-tank/2018/04/11/millennials-largest-generation-us-labor-force/\" target=\"_blank\" rel=\"noopener external\">largest generation in the workforce</a>. When it comes to work, this group is all about flexibility. In a global survey of employees, millennials ranked flexibility higher than any of their other generational counterparts, with <a href=\"https://www.itproportal.com/features/millennial-driven-changes-to-office-and-technology-culture/\" target=\"_blank\" rel=\"noopener external\">69 percent</a> citing intransigence as a leading reason to leave a job.</p>\r\n<p>So it is no surprise that millennials are happier and more productive when they can collaborate with co-workers from wherever they are – working from home, traveling for business or working in the office. Adept with tech in their personal lives, they have high expectations for technology to help them work effectively and efficiently.</p>\r\n<p>Today, smart technology strategies create true collaboration for workers in and outside of office settings, with online conversation capabilities, virtual meeting rooms, and collaboration tools that enable multiple employees to interact in real time.</p>\r\n<p>Done well, technology brings remote employees together and makes flexibility productive. But it is not about having the trendiest tech – it is about evaluating and understanding the options to choose tools that align with specific business needs. Investing in the right technology (and staying on top of rapidly evolving solutions) can provide a distinct competitive advantage.</p>\r\n<h3>2. Maximize activity.</h3>\r\n<p>The much-maligned cubicle came of age as companies sought to maximize their office space. Now, the cubicle is all but dead, giving way to the open concept spaces that are popular today. However, while open offices can be a problem in their own right, the real issue facing the modern office is a lack of activity among employees.</p>\r\n<p>With productivity as the goal, offices should first aim to encourage movement. In an eight-hour day, it's recommended that employees sit for only about <a href=\"https://mobilitymgmt.com/articles/2015/02/03/study-sit-to-stand-ratio.aspx?admgarea=research\" target=\"_blank\" rel=\"noopener external\">two hours</a>. The combination of sit-stand desks and easily portable laptops, tablets, and phones makes it easy to stand up and move. </p>\r\n<p>By equipping employees with technology that enables them to work where they need to, companies empower employees to become more productive. When they're not tied to their desks, employees can choose solitude when they need to focus or common areas when they want to collaborate on the fly with peers.</p>\r\n<p><em>Editor's note: Looking for office cubicles for your business? Fill out the below questionnaire to be connected with vendors that can help.</em></p>\r\n<div id=\"bz-form-widget-0\" class=\"bz-form-widget\" data-bz-category-id=\"10103\"> </div>\r\n<h3>3. Improve the ergonomics.</h3>\r\n<p>When selecting the right equipment for your office, put extra emphasis on ergonomics. Improper keyboard or mouse configuration can be detrimental to employee health and productivity, causing fatigue, pain, and even injury. Plus, employees often put undue stress on their necks while working <a href=\"https://www.bakkerelkhuizen.com/knowledge-center/whitepaper-can-you-work-comfortably-with-a-laptop/\" target=\"_blank\" rel=\"noopener external\">on their laptops</a>. Similarly, phones can be ergonomically problematic, as people tend to kink their necks in order to multitask while talking on the phone.</p>\r\n<p>Today's tech offers a range of ergonomic, adjustable devices that can be tailored to fit each employee. Baseline considerations include monitor, keyboard, and mouse placement; hands-free headsets; and task lighting.</p>\r\n<p>Sometimes, different devices are required for different users. For example, employees who need to refer to complex printed documents might benefit from a document reader. Or employees might benefit from the use of multiple monitors, which can cut down on switching back and forth between documents on one screen. Research conducted by the University of Utah demonstrated that having multiple monitors helped employees complete their work <u><a href=\"https://collections.lib.utah.edu/details?id=214166\" target=\"_blank\" rel=\"noopener external\">more quickly with fewer errors</a></u>, and employees also reported that the work was easier to do.</p>\r\n<p>To get the most ROI in ergonomics, incorporate employee training. This way, employees have the information to fully optimize the tools available to them. No matter where they are working, they will understand how to <a href=\"https://www.techrepublic.com/article/10-ergonomic-tips-to-immediately-improve-your-workspace/\" target=\"_blank\" rel=\"noopener external\">position monitors</a> at eye level so they don't have to turn their head to view the display. Or they will learn to recognize the symptoms of eye fatigue and how to combat it.</p>\r\n<p>The link between health and productivity is driving today's technological innovations. Tech solutions are creative and viable, enabling employees to work smarter. Companies that invest strategically in technology are able to drive productivity and establish a happier, healthier workplace culture at the same time.</p>\n","docType":"article","guid":"articles_f1a70ca17f1c2859c1e8790f1d0e2c5c","lastModified":"2018-11-13T08:00:00.000Z","published":"2018-11-13T08:00:00.000Z","structuredData":null,"subtitle":"Here are some smart, simple ways to foster a healthier, more dynamic workplace.","template":"legacy","title":"3 Tech Hacks for Happy, Healthy, Productive Employees","type":"article","author":{"avatar":null,"bio":"As chairman and CEO of Cemtrex Inc., a world-leading diversified manufacturing and technology company, Saagar Govil has helped spearhead the company's transition into new markets and product lines, growing the business from $3 million in revenue to over $100 million. His latest project is the Cemtrex SmartDesk, the world's most innovative and advanced workstation designed to increase productivity and decrease clutter. Saagar was also recently recognized as part of Forbes' 30 Under 30 list in 2016, No. 17 on Business Insider’s Top 100 of Silicon Alley in 2015, and the Top 40 Under 40 by Stony Brook University in 2014 and 2016.","name":"Saagar Govil","image":null,"slug":null,"social":{"facebook":"","linkedin":"https://www.linkedin.com/in/saagargovil/","twitter":"https://twitter.com/saagargovil","website":"https://www.cemtrex.com/"},"status":"enabled","title":null,"type":"New BDC Member","user":{"imagePath":"https://staging.business.com/images/uploads/user/profile/b4904238b7aab78530c666c2ee4f4a81eb421.jpg","profile":{"company":"Cemtrex Inc.","jobTitle":"Chairman and CEO","website":"https://www.cemtrex.com/"}}},"breadcrumbs":null,"channels":{"primary":{"name":"Human Resources","slug":"human-resources"},"sub":{"name":"Employees","slug":"employees"}},"meta":{"robots":"index, follow","description":"The link between health and productivity is driving today's tech innovations. Here's how business owners can boost employees' health and productivity.","title":"Tech Hacks for Happy, Healthy, Productive Employees - business.com"},"parsedContent":{"toc":[{"id":"the-role-of-tech-in-boosting-health-and-productivity","title":"The role of tech in boosting health and productivity"}],"json":[{"component":"p","children":["Ask leaders of companies big and small about the goals for their businesses, and increased productivity will inevitably be in the mix."]},{"component":"p","children":["And it is no wonder businesses are so focused on productivity. Employees worldwide work an average of 45 hours per week, according to a survey from Microsoft, but they report that ",{"component":"a","props":{"href":"https://news.microsoft.com/2005/03/15/survey-finds-workers-average-only-three-productive-days-per-week/","target":"_blank","rel":"noopener external nofollow"},"children":["17 of those hours are unproductive"]},". Clearly, even incremental improvements can significantly impact business success. Beyond that, enhanced productivity can drive a happier and healthier work culture; ",{"component":"a","props":{"href":"https://www.microsoft.com/en-us/microsoft-365/blog/2017/01/10/survey-mastering-your-productivity-in-2017/","target":"_blank","rel":"noopener external nofollow"},"children":["93 percent"]}," of workers cite productivity as key to achieving personal happiness."]},{"component":"p","children":["Unfortunately, recent trends are sapping productivity. First, increasingly sedentary, screen-focused jobs mean many employees spend their working hours sitting relatively still. Many companies, including Apple, are investing in standing desks so employees can alternate positions throughout the day. Tim Cook once called sitting the new cancer, and being able to sit and stand throughout the day can help lower one's ",{"component":"a","props":{"href":"http://www.sahealth.sa.gov.au/wps/wcm/connect/public+content/sa+health+internet/healthy+living/is+your+health+at+risk/the+risk+of+sitting+too+much","title":"","rel":"nofollow"},"children":["potential health risk"]}," of obesity and heart disease. In addition to being healthier, consciously spending more time standing or regularly moving around boosts productivity."]},{"component":"p","children":["Another trend negatively impacting productivity is open workspaces. Here, the major issue is a lack of personal space. A recent survey of 700 high-performing employees across a variety of industries found that ",{"component":"a","props":{"href":"http://www.chicagotribune.com/business/success/inc/tca-the-open-office-plan-is-backfiring-20180220-story.html","target":"_blank","rel":"noopener external nofollow"},"children":["54 percent"]}," of workers find their offices too distracting. In fact, according to another study by office design company Unispace, ",{"component":"a","props":{"href":"https://www.thetimes.co.uk/article/workers-sound-off-about-problems-in-open-plan-offices-zct9wq2qd","title":"","rel":"nofollow"},"children":["more than two hours"]}," of face-to-face time with co-workers might actually be too much collaboration. As a result, employees are turning to noise-canceling headphones and work-from-home options to get work done."]},{"component":"h2","props":{"id":"the-role-of-tech-in-boosting-health-and-productivity"},"children":["The role of tech in boosting health and productivity"]},{"component":"p","children":["Many companies are now doing more to promote wellness in the workplace. Along with being good for employees, it is also good for business. In the U.S., employee health-related problems cost companies more than ",{"component":"a","props":{"href":"https://gethppy.com/employee-engagement/increasing-employee-morale-health-wellbeing-programs","target":"_blank","rel":"noopener external nofollow"},"children":["$225 billion"]}," in lost productivity annually, according to the Centers for Disease Control and Prevention."]},{"component":"p","children":["Wellness programs, designed to positively impact both physical and mental health, improve employee attendance, attitude, and performance. In 2017, researchers from the University of California Riverside, UCLA Anderson, and Washington University also provided a direct link between wellness programs and increased productivity. By comparing productivity data and medical records, researchers found that wellness program participants had increased their productivity by the equivalent of ",{"component":"a","props":{"href":"https://www.anderson.ucla.edu/faculty-and-research/anderson-review/wellness","target":"_blank","rel":"noopener external nofollow"},"children":["one extra workday"]}," per month."]},{"component":"p","children":["High-performing companies are taking the health and productivity connection seriously – more than 75 percent track employee health as part of the company's overall risk management strategy. To engage employees and drive results, executives tasked with maximizing productivity are turning to technology in three essential ways."]},{"component":"h3","children":["1. Flex the tech."]},{"component":"p","children":["As of 2016, millennials are the ",{"component":"a","props":{"href":"http://www.pewresearch.org/fact-tank/2018/04/11/millennials-largest-generation-us-labor-force/","target":"_blank","rel":"noopener external nofollow"},"children":["largest generation in the workforce"]},". When it comes to work, this group is all about flexibility. In a global survey of employees, millennials ranked flexibility higher than any of their other generational counterparts, with ",{"component":"a","props":{"href":"https://www.itproportal.com/features/millennial-driven-changes-to-office-and-technology-culture/","target":"_blank","rel":"noopener external nofollow"},"children":["69 percent"]}," citing intransigence as a leading reason to leave a job."]},{"component":"p","children":["So it is no surprise that millennials are happier and more productive when they can collaborate with co-workers from wherever they are – working from home, traveling for business or working in the office. Adept with tech in their personal lives, they have high expectations for technology to help them work effectively and efficiently."]},{"component":"p","children":["Today, smart technology strategies create true collaboration for workers in and outside of office settings, with online conversation capabilities, virtual meeting rooms, and collaboration tools that enable multiple employees to interact in real time."]},{"component":"p","children":["Done well, technology brings remote employees together and makes flexibility productive. But it is not about having the trendiest tech – it is about evaluating and understanding the options to choose tools that align with specific business needs. Investing in the right technology (and staying on top of rapidly evolving solutions) can provide a distinct competitive advantage."]},{"component":"h3","children":["2. Maximize activity."]},{"component":"p","children":["The much-maligned cubicle came of age as companies sought to maximize their office space. Now, the cubicle is all but dead, giving way to the open concept spaces that are popular today. However, while open offices can be a problem in their own right, the real issue facing the modern office is a lack of activity among employees."]},{"component":"p","children":["With productivity as the goal, offices should first aim to encourage movement. In an eight-hour day, it's recommended that employees sit for only about ",{"component":"a","props":{"href":"https://mobilitymgmt.com/articles/2015/02/03/study-sit-to-stand-ratio.aspx?admgarea=research","target":"_blank","rel":"noopener external nofollow"},"children":["two hours"]},". The combination of sit-stand desks and easily portable laptops, tablets, and phones makes it easy to stand up and move. "]},{"component":"p","children":["By equipping employees with technology that enables them to work where they need to, companies empower employees to become more productive. When they're not tied to their desks, employees can choose solitude when they need to focus or common areas when they want to collaborate on the fly with peers."]},{"component":"p","children":[{"component":"em","children":["Editor's note: Looking for office cubicles for your business? Fill out the below questionnaire to be connected with vendors that can help."]}]},{"component":"RfqWidget","props":{"className":"bz-form-widget","id":"bz-form-widget-0","widgetCategoryId":"10103"},"children":[" "]},{"component":"h3","children":["3. Improve the ergonomics."]},{"component":"p","children":["When selecting the right equipment for your office, put extra emphasis on ergonomics. Improper keyboard or mouse configuration can be detrimental to employee health and productivity, causing fatigue, pain, and even injury. Plus, employees often put undue stress on their necks while working ",{"component":"a","props":{"href":"https://www.bakkerelkhuizen.com/knowledge-center/whitepaper-can-you-work-comfortably-with-a-laptop/","target":"_blank","rel":"noopener external nofollow"},"children":["on their laptops"]},". Similarly, phones can be ergonomically problematic, as people tend to kink their necks in order to multitask while talking on the phone."]},{"component":"p","children":["Today's tech offers a range of ergonomic, adjustable devices that can be tailored to fit each employee. Baseline considerations include monitor, keyboard, and mouse placement; hands-free headsets; and task lighting."]},{"component":"p","children":["Sometimes, different devices are required for different users. For example, employees who need to refer to complex printed documents might benefit from a document reader. Or employees might benefit from the use of multiple monitors, which can cut down on switching back and forth between documents on one screen. Research conducted by the University of Utah demonstrated that having multiple monitors helped employees complete their work ",{"component":"u","children":[{"component":"a","props":{"href":"https://collections.lib.utah.edu/details?id=214166","target":"_blank","rel":"noopener external nofollow"},"children":["more quickly with fewer errors"]}]},", and employees also reported that the work was easier to do."]},{"component":"p","children":["To get the most ROI in ergonomics, incorporate employee training. This way, employees have the information to fully optimize the tools available to them. No matter where they are working, they will understand how to ",{"component":"a","props":{"href":"https://www.techrepublic.com/article/10-ergonomic-tips-to-immediately-improve-your-workspace/","target":"_blank","rel":"noopener external nofollow"},"children":["position monitors"]}," at eye level so they don't have to turn their head to view the display. Or they will learn to recognize the symptoms of eye fatigue and how to combat it."]},{"component":"p","children":["The link between health and productivity is driving today's technological innovations. Tech solutions are creative and viable, enabling employees to work smarter. Companies that invest strategically in technology are able to drive productivity and establish a happier, healthier workplace culture at the same time."]}]},"resource":null,"sponsorship":null,"thumbnail":{"path":"https://staging.business.com/images/content/5be/b19bf5a215e74628b4571/1500-0-","caption":"Jacob Lund/Shutterstock","isBlurred":true},"bestPicks":null},"related":{"relatedArticles":[{"title":"Using Lean Strategies to Achieve Team Synergy and Efficiency","canonical":"https://www.business.com/articles/lean-strategies-team-efficiency/","slug":"lean-strategies-team-efficiency","thumbnail":"https://www.business.com/images/content/5be/480e49c658a51108b458c/1500-0-","dek":"Learn more about lean manufacturing strategies and how to implement them in your business.","lastModified":"2018-11-08T08:00:00Z","published":"2018-11-08T08:00:00Z","sponsored":false},{"title":"How to Hire for Your Business","canonical":"https://www.business.com/articles/how-to-staff-business/","slug":"how-to-staff-business","thumbnail":"https://www.business.com/images/content/5ea/9c8bb9c658aee018b456c/1500-0-","dek":"Sterling Staffing Solutions CEO Stephen Carter shares his tips on staffing your business.","lastModified":"2020-07-31T15:00:00Z","published":"2018-08-16T12:00:00Z","sponsored":false},{"title":"How an Effective Remote Work Culture Can Relieve the Loneliness Epidemic","canonical":"https://www.business.com/articles/how-effective-work-culture-can-relieve-loneliness/","slug":"how-effective-work-culture-can-relieve-loneliness","thumbnail":"https://www.business.com/images/content/5a3/aa49e51ee47b0498b456d/1500-0-","dek":"Build a positive, nurturing culture for your remote employees.","lastModified":"2017-12-20T08:00:00Z","published":"2017-12-20T08:00:00Z","sponsored":false},{"title":"How to Create an Employee Wellness Program","canonical":"https://www.business.com/articles/wellness-expert-on-creating-employee-wellness-program/","slug":"wellness-expert-on-creating-employee-wellness-program","thumbnail":"https://www.business.com/images/content/5b5/a229e92a3a4bf5e8b459a/1500-0-","dek":"Wellness expert offers tips on keeping employees physically and mentally healthy.","lastModified":"2018-06-27T19:30:00Z","published":"2018-06-27T19:30:00Z","sponsored":false},{"title":"15 Benefits and Perks That Will Keep Your Remote Employees Happy","canonical":"https://www.business.com/articles/perks-benefits-for-remote-workers/","slug":"perks-benefits-for-remote-workers","thumbnail":"https://www.business.com/images/content/5ab/a771592a3a47d098b456c/1500-0-","dek":"Employees want better benefits more than they want a pay raise.","lastModified":"2018-03-27T17:30:00Z","published":"2018-03-27T17:30:00Z","sponsored":false},{"title":"How to Stay Productive When Working Remotely","canonical":"https://www.business.com/articles/remote-work-productivity/","slug":"remote-work-productivity","thumbnail":"https://www.business.com/images/content/5ed/a789d5a215eab408b457a/1500-0-","dek":"You can be just as productive when working remotely – if not more so – but there are challenges as well as benefits.","lastModified":"2020-06-05T16:55:00Z","published":"2018-06-15T14:17:00Z","sponsored":false},{"title":"5 Ways to Start the Mental Health Conversation in Creative Industries","canonical":"https://www.business.com/articles/workplace-mental-health-conversations/","slug":"workplace-mental-health-conversations","thumbnail":"https://www.business.com/images/content/5b6/452c392a3a4195c8b4575/1500-0-","dek":"You don't have to run a company to advance the conversation around mental health at work.","lastModified":"2018-08-03T14:29:00Z","published":"2018-08-03T14:29:00Z","sponsored":false},{"title":"Designing an Office? IWG Expert Says Flexibility and Lighting Should Influence Your Choices","canonical":"https://www.business.com/articles/iwg-michael-berretta-flexibility-lighting/","slug":"iwg-michael-berretta-flexibility-lighting","thumbnail":"https://www.business.com/images/content/5ae/1e90992a3a47d208b457d/1500-0-","dek":"When designing a new workplace, flexibility and lighting are crucial factors.","lastModified":"2018-04-26T15:32:00Z","published":"2018-04-26T15:32:00Z","sponsored":false},{"title":"Why You Should Let Your Employees Nap on the Job","canonical":"https://www.business.com/articles/let-your-employees-nap/","slug":"let-your-employees-nap","thumbnail":"https://www.business.com/images/content/5a1/dac2b92a3a47b718b458e/1500-0-","dek":"The key to productivity may actually be encouraging workers to sleep during the day.","lastModified":"2017-11-28T08:00:00Z","published":"2017-11-28T08:00:00Z","sponsored":false},{"title":"Are You Paying a Living Wage?","canonical":"https://www.business.com/articles/small-business-living-wage/","slug":"small-business-living-wage","thumbnail":"https://www.business.com/images/content/5a9/4732251ee479b088b4580/1500-0-","dek":"Employees who earn enough to get by improve performance and overall business.","lastModified":"2018-02-27T13:00:00Z","published":"2018-02-27T13:00:00Z","sponsored":false},{"title":"5 Daily Activities to Maintain Your Health at Work","canonical":"https://www.business.com/articles/5-healthy-workday-activities/","slug":"5-healthy-workday-activities","thumbnail":"https://www.business.com/images/content/5a6/6455751ee470e458b4590/1500-0-","dek":"A desk job can be detrimental to your health, so work these behaviors into your day.","lastModified":"2018-01-22T08:00:00Z","published":"2018-01-22T08:00:00Z","sponsored":false},{"title":"From COVID-19 to Hurricane Season: Disaster Preparedness for Small Business","canonical":"https://www.business.com/articles/business-disaster-prep/","slug":"business-disaster-prep","thumbnail":"https://www.business.com/images/content/5e7/a495e5a215eb11d8b4569/1500-0-","dek":"Natural disasters – whether a hurricane, tornado or outbreak like COVID-19 – can have a disastrous effect on small businesses, but they don't have to. 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