BCM is a strategic capability that allows organizations to continue operations during disruptions through planning and response. It identifies critical activities and recovery time objectives to generate continuity plans. Testing these plans helps ensure the organization can supply products/services during adverse events. Without a tested BCM program, a disruption could threaten business survival as insurance does not keep operations running. A well-tested BCM plan can prevent loss of market share and improve reputation, staff retention, and insurance ratings to keep the business operating.