{
  "id": "riskg-bcm",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-bcm",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Business Continuity Management (BCM)",
      "shortDefinition": "Business continuity management is the systematic development of plans and capabilities that enable a company to quickly resume critical processes after an operational disruption.",
      "synonyms": [
        "BCM"
      ],
      "linesOfBusiness": [
        "Business interruption",
        "All lines"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Resilience",
        "Loss prevention"
      ],
      "relations": {
        "relatedTerms": [
          "cov-business-interruption",
          "cov-cbi",
          "riskg-emergency-response-plan",
          "riskg-supply-chain-risk-engineering"
        ],
        "partOf": [],
        "appliesTo": [
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      },
      "attribute": null,
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      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "ISO 22301 – Security and resilience: Business continuity management systems"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
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        "at": "2026-09-01T00:00:00.000Z"
      },
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      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/business-continuity-management/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/business-continuity-management/",
      "body": "## Approach\n\nThe starting point is the business impact analysis (BIA): which processes are critical, and what recovery time objectives (RTO) and resources do they need? Continuity strategies build on this – alternative sites, stock buffers, second-source suppliers, redundant IT – and are operationalised in emergency and recovery plans.\n\n## Success factors\n\nRegular tests and exercises (table-top to full-scale), a clear crisis organisation with deputies, up-to-date contact chains and anchoring in line responsibility. Untested plans regularly fail on details in a real event.\n\n## Insurance relevance\n\nCredible BCM shortens interruption periods and thereby reduces BI exposure and premiums. Underwriters reward demonstrated continuity capability in indemnity periods, CBI limits and natural catastrophe capacity."
    },
    "de": {
      "id": "riskg-bcm",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Business Continuity Management (BCM)",
      "shortDefinition": "Business Continuity Management ist der systematische Aufbau von Plänen und Fähigkeiten, mit denen ein Unternehmen kritische Prozesse nach einer Betriebsstörung schnell wieder aufnehmen kann.",
      "synonyms": [
        "Betriebliches Kontinuitätsmanagement",
        "BCM"
      ],
      "linesOfBusiness": [
        "Betriebsunterbrechung",
        "Alle Sparten"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Resilienz",
        "Schadenverhütung"
      ],
      "relations": {
        "relatedTerms": [
          "cov-business-interruption",
          "cov-cbi",
          "riskg-emergency-response-plan",
          "riskg-supply-chain-risk-engineering"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-business-interruption"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
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        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "ISO 22301 – Security and resilience: Business continuity management systems"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
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      },
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      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/business-continuity-management/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/business-continuity-management/",
      "body": "## Vorgehen\n\nAusgangspunkt ist die Business Impact Analysis (BIA): Welche Prozesse sind kritisch, welche Wiederanlaufzeiten (RTO) und Ressourcen benötigen sie? Darauf bauen Kontinuitätsstrategien auf – Ausweichstandorte, Lagerpuffer, Zweitlieferanten, redundante IT – und werden in Notfall- und Wiederanlaufplänen operationalisiert.\n\n## Erfolgsfaktoren\n\nRegelmässige Tests und Übungen (Table-Top bis Vollübung), klare Krisenorganisation mit Stellvertretungen, aktuelle Kontaktketten und die Verankerung in der Linienverantwortung. Ungetestete Pläne scheitern im Ernstfall regelmässig an Details.\n\n## Versicherungsrelevanz\n\nEin glaubwürdiges BCM verkürzt Unterbrechungsdauern und senkt damit BU-Exponierung und Prämien. Underwriter honorieren nachgewiesene Kontinuitätsfähigkeit bei Haftzeiten, CBI-Limiten und Naturgefahrenkapazität."
    }
  }
}