In the modern world, organizations and communities face a multitude of threats, which can result in a multitude of losses. A “disaster” can be defined as anything that prevents access to key processes and activities; from natural events like floods, earthquakes or hurricanes to those that are man-made, both accidental (human error, device failure, power outage, industrial disaster, etc.) and intentional (cyberattack, theft, terrorism).

With sound planning, an organization should be able to resume normal operations following a disaster. The sheer number of risk factors involved can be overwhelming when assessing the disaster recovery process: location of premises and local environment, size of organization, type of business, the many forms a disaster may take, and more. The importance of having the right types of insurance cannot be overstated, and it’s more critical than ever for organizations to develop a proper business continuity plan (BCP).

The COVID-19 pandemic added a greater sense of urgency for risk mitigation and business resilience, accelerating major changes in business continuity plans (BCP). While the pandemic has mostly remained the front-and-center disaster of last year, record-setting hurricanes, wildfires and other natural disasters across the United States caused $95 billion in damages for 2020.

That is almost double the amount in 2019 and the third-highest losses since 2010. Of the record number of 30 named storms in 2020, 12 made landfall, breaking yet another record and causing $43 billion in losses. Hurricane Laura alone caused $13 billion in damage and the second costliest were convective storms (tornadoes, thunderstorms, hailstorms and derechos), causing $40 billion in damages and losses. The wildfires that spread throughout the West Coast caused another $16 billion in losses; approximately 4,000 homes were destroyed in Oregon alone.




Because of the number of environmental catastrophes during one of the warmest years on record, the insurance industry expects there will continue to be unprecedented disasters in the coming years. They are working with disaster recovery firms to implement proactive catastrophe plans and disaster recovery processes that protect business assets.

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There is increased pressure on insureds to improve their business’ resilience to include meaningful environmental, social and corporate governance (ESG) and compliance and effective business continuity management (BCM). Companies will need to re-examine their risk finance strategies with a focus on reducing total cost of risk. There has already been an effort by many companies to apply a standardized engineering and loss prevention process. In preparing for 2021, it is important for management to assert responsibility for risk mitigation. This can be accomplished by:

  • Determining a company’s risk appetite and tolerance is the first step for those seeking risk management and risk financing optimization.
  • Organizations should be equipped with technology, data and analytics to support risk management decisions.
  • An ESG framework should be implemented as a foundational solution in tandem with BCPs and BCM.
  • Alternative risk transfer (ART) products will continue to offer options as insurers will continue to embrace structured, parametric and portfolio solutions and captive innovations. There is also expected growth of “hybrid instruments,” a combination of insurance and financial solutions to cover certain major impact risk events such as natural disasters and climate change.

This is a critical moment to take a holistic view of risk and prepare for large-scale catastrophes. Given the ongoing pandemic, the conditions of the market and the threats posed by climate change, having sound risk management is vital to an organization’s success and survival.

With an ongoing pandemic, catastrophic climate change events, and increased cyber attacks, it is more important than ever to properly establish and maintain a business continuity plan (BCP) to help reduce loss, save lives and speed recovery after a major emergency. To help streamline practices, consolidate information and increase the efficiency of a BCP, ATI has created an advanced risk management information system (RMIS) and Disaster Recovery-as-a-Software (DRaaS) in the form of an app: “ATI Alert.”

ATI Alert is a crisis planning and recovery tool used to coordinate emergency response in the event of a disaster. This award-winning risk management platform provides management teams with an unparalleled way to activate and mobilize their organization with alerts and incident reports, even when the internet is down. ATI is offering this new service to its clients at no cost, providing an additional layer of support and value to business operations and management. ATI can assess your business, establish a plan, and train your team to execute action items immediately with a detailed roadmap.

ATI Alert can be customized for a business’ specific needs. The app provides one central place to find procedures, guidelines, best practices, training, checklists, contact information, and more. Users can also personalize the app interface so the most important features are easiest to access.

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With everything in one place and 24/7 accessibility, ATI Alert can be used:

  • Before a crisis: Helping train everyone in the organization (globally if applicable) to be prepared for unforeseen events by providing procedures and guidelines, shared checklists and evacuation routes.
  • During a crisis: Taking emergency action with a built-in, ready-to-use playbook; customizable alert notifications; contacting all stakeholders, key vendors or insurance carriers, brokers and adjusters; and polling and roll call services.
  • After a crisis: Coordinating property restoration and remediation like fire, water or mold damage; incident reporting; allowing organizations to track, measure and analyze actions taken during crises.

“This application is setting our customers up to be able to engage in other technologies that will help mitigate risk and save time and money in the future,” says Jeff Magoon, Executive Vice President of Sales & Marketing at ATI. As the lead on the development of ATI Alert, Magoon drives home the point that “frequency drives severity.” Little problems can become tremendous disasters, especially if the planning, tools and communication are not put into practice. “When something happens, all you have to train your employees to do is ‘go to this app.’ It’s easy to use and it’s effective.”

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Designed for clients with medium to large property portfolios, the app makes the engagement protocols, for any size crisis, intelligently easier and more efficient. ATI’s dedicated client services provide set-up, implementation, training and ongoing support throughout. It is currently available for download on the Apple Store and Google Play.


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Advancements in cognitive technologies, artificial intelligence and data analytics are helping organizations go beyond traditional ways of managing risk by using smart machines to manage disasters. In the event of a disaster, the ruination or destruction of a building shouldn’t mean ceasing operations.

The impact of unexpected events on business operations and financials can be minimized by leveraging cloud-based solutions or applications that store a company’s information in one secure but accessible place, resources like ATI Alert mentioned above.




Results of a Unitrends’ survey suggests that cloud-based Disaster Recovery-as-a-Software (DRaaS) will be used by over 59% of businesses in 2021. Moving forward, a data or IT disaster recovery plan using DRaaS should become a core element of a business continuity plan, and it should be tested periodically to ensure reliability. When planning disaster recovery from an IT perspective, organizations should include:

  • IT recovery strategies, including hardware, software, data and connectivity to a service provider
  • Suitable computer room environments (climate control, backup power supplies, etc.)
  • Vender-supported recovery and off-site backup if necessary, such as ATI’s emergency power supplies
  • The ability to identify critical software applications and the data and hardware required
  • Cyber insurance

Even before the COVID-19 pandemic, the cyber insurance market was already taking a more proactive view of risk. An organization’s resilience will continue to amplify by utilizing technologies as an evolving and mandatory part of risk management in 2021.


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Building 3-D scanning (often using Matterport) is a critical tool for disaster recovery and evaluating a building’s condition in general.

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Surfacing around 2008, aerial imagery has become one of the most significant time and accuracy tools to evolve in property restoration.