At the rate that hackers and more people are becoming wiser as far as discovering technology and its flaws today, the best way is to have ready back-up procedures for databases and important documents and spreadsheets just in case of system intrusion and crashes. While it is true that most companies are continuously developing software to be able to limit such malicious intentions, it cannot be discounted that the safest way is to have ready back-ups which can be easily restored at any time of their liking.
The question is when to back-up and what to back up. For most people, backing up periodically is the common practice. But for more important documents and reference materials, archiving them as often as possible is the safest way to be sure. People should not wait for the last minute to back-up their files since with the fast pace of technology comes the fast pace development of hackers today.