━━ BIZ ASSIST · FOR ORGANISATIONS
The incident is contained by lunchtime. The crisis runs for six months.
Your operations team can handle the incident. What follows is a different job: regulators, media, community, board and insurers, all arriving at once and all expecting someone to be across it.
Biz Assist gives your executives immediate access to crisis management, continuity and investigative specialists, so your own people can stay on running the business.
24/7 response centre that coordinates, not a referral list
Funded Response paid under policy, up to your Schedule limit
External Added capacity, so internal functions are not consumed
━━ WHEN YOUR ORGANISATION WOULD USE IT
Biz Assist has its own triggers. It is not stage two of Safety Assist.
A loss of facility, a product tampering event or a workplace fatality activates Biz Assist with no people incident anywhere near it. Where a single event creates both individual and organisational exposure, the two policies can run alongside each other.
Core trigger events are defined in policy wording SGS-L-01. Additional cyber Insured Events are available under the BizAssist Cyber Safeguard extension SBA-CS-L-01. Full definitions are available on request.
━━ DECIDE THIS BEFORE YOU NEED IT
Who in your organisation is authorised to make the call?
Activation requires a senior official of the insured to notify the Response Consultant. That is a small operational detail with large consequences, because it means the authority to activate has to be agreed in advance rather than debated during an incident.
Onboarding sets this out: who can activate, who they notify, and what happens if that person is unreachable at 11pm. It is one of the more common reasons a good crisis plan fails on its first real test.
━━ WHAT ACTUALLY HAPPENS
The claim can take months to resolve. The response cannot wait.
Traditional insurance is primarily designed around the underlying loss or liability. Biz Assist is designed around the response. It activates specialist crisis capacity from the point a covered event occurs, while liability, regulatory exposure and the broader insurance position are still being worked through.
━━ WHAT THE POLICY PAYS FOR
You cannot prevent every incident. You can insure the response.
No policy stops a subcontractor rupturing a pipe. What Biz Assist does is make sure that while the footage is still circulating, specialist crisis, investigative and communications support can already be mobilised.
The Response Consultant assesses what the situation requires and coordinates the appropriate services under the policy, funded up to the limit in your Schedule.
What it does not do. Biz Assist does not indemnify you for the underlying loss, the clean-up, the fine or the damages. It funds the specialist response around the event, helping contain escalation, support defensible decision-making and create a documented record of how the organisation responded.
Coverage is delivered under policy wording SGS-L-01 and is subject to the terms, conditions, limits and exclusions of that policy. Benefits are available up to the limit set in your policy Schedule.
This does not replace your programme.
It covers the part your programme was never built for.
━━ HOW THIS SITS WITH WHAT YOU ALREADY HAVE
You are not sourcing specialist suppliers at 6pm while the situation is already moving. The Response Consultant assesses what the situation requires and coordinates the appropriate services under the policy, funded up to the limit in your Schedule.
Contained in hours. Still a crisis three weeks later.
━━ ILLUSTRATIVE ACTIVATION · REGIONAL OPERATIONS SITE
A subcontractor ruptured an underground pipe, causing a large-scale oil spill. The physical spill was contained the same day.
Then it reached the news. Regional coverage drew in community groups and ESG watchdogs, executives were named publicly, and the exposure moved from operational to reputational while the liability position was still being assessed.
Outcome. The early response helped stabilise stakeholder pressure while the liability investigation continued. Internal teams remained focused on remediation and operations, while the organisation had specialist support around communications, regulatory engagement and the documented management of the crisis.
━━ WHY THIS IS A GOVERNANCE ISSUE
The incident creates the exposure. The response creates the record.
When a serious incident occurs, scrutiny quickly turns to what the organisation knew, what it did next, whether the response was proportionate and whether those decisions can be demonstrated.
A crisis plan alone does not create response capacity. The challenge is having experienced people available to interpret the situation, coordinate specialist support and help create a clear record of the response while the event is moving.
Biz Assist provides that additional capacity, backed by a funded response mechanism, at the point leadership teams are under the most pressure.
━━ NEXT STEP
Find out what your organisation would actually do in the first six hours.
We'll walk through your current crisis arrangements, show you where capacity runs out, and set out what Biz Assist would add.