Russo Frank
J Bus Contin Emer Plan. 2019 Jan 1;12(3):277-285.
This paper serves as a guide to how disaster recovery costs after a loss can potentially be reimbursed through the insurance claim process, and highlights how disaster preparation and response are viewed through the lens of risk management and insurance claims recovery. Many organisations have both business continuity and risk management departments that, by and large, work independently. Following a significant business loss, however, such a siloed approach can leave many uncovered costs miscategorised as recoverable or, worse, completely miss an opportunity to recover claimable costs through the insurance claims recovery process. The implementation phase of business continuity processes and plans must include a component that considers how the mitigation spend will be potentially recovered or recouped through the insurance claims process. This key component should be analysed and described in coordination between business continuity and risk management. The goal of more continued cross-functional dialogue among business continuity and risk management professionals is the key to complete financial recovery and insurance claim reimbursement.
本文旨在指导如何通过保险理赔流程潜在地报销损失后的灾难恢复成本，并强调如何从风险管理和保险理赔恢复的角度看待灾难准备和应对。许多组织都设有业务连续性和风险管理部门，总体而言，它们各自独立运作。然而，在遭受重大业务损失后，这种孤立的方法可能会使许多未涵盖的成本被错误分类为可收回成本，或者更糟糕的是，完全错过通过保险理赔恢复流程收回可索赔成本的机会。业务连续性流程和计划的实施阶段必须包括一个考虑如何通过保险理赔流程潜在地收回或补偿缓解支出的组成部分。这一关键组成部分应在业务连续性和风险管理之间进行协调分析和描述。业务连续性和风险管理专业人员之间更多持续的跨职能对话的目标是实现完全财务恢复和保险理赔报销的关键。
