We all live and work in a real-time world,” says Cindy Todoroff, director of infrastructure and client technology with Penn National Insurance. “How do we maintain that when something bad happens?”

Business continuity programs may have been borne out of natural disasters or life-changing events such as 9/11, but today companies have been forced to consider a wide spectrum of events that could shut down their operations, ranging from the projected Avian flu to attacks on a company. “We have to think beyond the typical disaster,” says Todoroff. “How do you keep the business running when people can’t get to the office?”

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