Business continuity / disaster recovery (BC/DR)
In one sentence
Plans for keeping the business running (or getting it back fast) after a disruption: cyber, fire, flood, or outage.
Business continuity keeps critical operations going during a disruption; disaster recovery restores IT systems afterward. For a small business this can be lightweight, but knowing your recovery priorities and backup restore steps is the core.
Why it's on your cyber insurance application
Related to backup and IR questions; signals maturity to underwriters.
How the Readiness Check scores it
The free Check asks the same question a carrier will. Here it is, why it's asked, and the fix if today's honest answer is no. The full application question list has the rest.
Backup & recovery
When did you last successfully test restoring from a backup?
Why carriers ask: Tested, offline-capable backups are the difference between an outage and paying a ransom. Claims data shows a record share of ransomware victims now refuse to pay. Working backups are what make refusal possible.
If the answer is no: Run a restore test this month: restore a folder and one full system, time it, and document the result. That document answers the application question.
The written evidence carriers accept
A “yes” on the application needs a document behind it. In the Readiness Pack, those documents are:
Related terms
Would you pass this question today?
The free Readiness Check scores you across the ten control domains carriers probe, in five minutes, no email required for the score.