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Computer hackers, strong hurricanes, extreme flooding, power brown outs, dos attacks, computer application failures, human resource errors, intentional sabotage and even terrorism are making all sorts of companies (big and small) focus on having a good solid disaster recovery plan.
The main factors of a Business Impact Analysis are to point out any mission critical business functions, agree on the total acceptable length of down time for these areas and then to figure out the business impact of not being able to perform those functions. Typically the measurements are used against established SLAs, legal groups, regulations, or operations service requirements.
Has there ever been a time when you imagined a worst case scenario where maybe a fire started and destroyed all your data on your computer or even if your car got broken into and your laptop was hijacked. Your first major thought is how your just lost your laptop, but then as you start to think even harder you realize how valuable the actual data is that resides on the harddrive. You start to realize the actual computer or hardware can eventually be replaced, but the years of your data is gone and will never be replaced.
In some rare instances, a strategy decision may end up not being part of your though out strategy. In these cases and others where there is a huge financial risk to your business or giant business disruption then a company income insurance policy may be the right path to take. In general, this policy will provide the business with the same amount of income it was making prior to the disaster. It will increase the businesses odds of surviving and help keep all its current customers while the business tries to recover.
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