The decisions that only the executive team can make.

When the primary decision-maker is unreachable, who can authorize an evacuation, a failover, or a public statement? Define this in writing — or watch the org freeze when it matters.

• Three-deep chain of decision authority per function
• Pre-authorized spending thresholds for incident response
• Board notification protocol for material events
• Out-of-band executive contact tree, printed and distributed

Most business interruption claims are denied or reduced because of documentation gaps — not coverage gaps. Build the evidence trail before the event.

• Annual review of BI, cyber, and named-peril coverage
• Confirm waiting periods, sub-limits, and exclusions in writing
• Document baseline operations for claim support
• Maintain 60-day operating cash reserve where feasible

Clients, employees, investors, and regulators all judge leadership during the event. Communication is an executive responsibility, not a marketing task.

• Single source of truth for external statements
• Pre-approved message frameworks per stakeholder group
• Proactive briefing of major clients on continuity posture
• Visible executive presence during the event

Regulators expect documented continuity planning. Boards expect to be informed without surprises. Both should see evidence, not assurances.

• Quarterly continuity plan review at the executive level
• Annual continuity report to the board
• Tabletop exercises with documented outcomes
• Regulatory notification matrix by jurisdiction