In early 2005, after being pounded by hurricanes Charley, Frances, Ivan and Jean, Glen Distefano pondered the technology model for the soon to be established St. Petersburg, Fla., insurance company.SUNZ Insurance Co. set up shop this year to provide workers compensation and related liability coverage through a direct sales force to a select clientele-a controlled group of Florida-based professional employer organizations (PEOs), staffing companies and other preferred large risks. After agreeing to take the helm as chief information officer at the company, Distefano thought about the 8,000 businesses and 100,000 jobs lost from 1992's Hurricane Andrew.

"Knowing what a natural disaster can do, and having had experienced multiple hurricanes last year, if we had a disaster in Florida again, could put us out of business before commencing business," he says. "And as a start-up venture, even one disruption of service would be one too many."

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