Come hell or high water

A natural disaster such as a flash flood can have a devastating effect on a business. Kevin Wood argues that brokers have a key role to play as smaller companies often fail to plan ahead

Disaster recovery can mean different things to different people.

The devastating recent tsunami in South East Asia and flooding in Carlisle bring that into sharp focus. In comparison, on a day-to-day basis, the industry is tested with more regular and commonplace incidents such as commercial fires or domestic burst pipes. To those involved these are all emergencies or traumas, the speed and effectiveness of recovery from which will be the litmus test of their insurer's response.

Whether we are