Small businesses seldom have an adequate back-up procedure in place. But the horrors of not having data back-ups are well documented and everyone is at least aware of the problem. It is the lack of system backups or restore points that takes many by surprise. The conventional wisdom is that you should back-up documents and data -- the valuable, irreplaceable business assets. If a hard drive crashes or the computer begins to misbehave, you can always reinstall the operating system and the applications.