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Insurance Operational Resilience Case Study | Resilience Guard
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Case study · Banking and financial services

Operational resilience and continuity assurance for a multinational insurer

Claims continuity, catastrophe surge readiness and crisis governance for an organisation that must function precisely when disruption peaks.

Practitioner led since 2014 Led by John Zeppos, Founder and Group Managing Director DRI Accredited training provider Three BCI Global Awards 16+ EU Horizon research projects Trusted to train 3 of the Big Four
SectorInsurance and financial services
FootprintEurope and international regions
FrameworksISO 22301, DORA context
FocusClaims continuity and crisis governance

Business context: insurance resilience is market resilience

Insurers must remain functional precisely when disruption is at its peak. The environment was shaped by:

  • Large scale catastrophe events and systemic claims surges.
  • Cyber enabled interruption of customer service platforms.
  • Regulatory escalation under operational resilience expectations.
  • Dependency on outsourced ICT and third party service providers.
  • Increasing assurance requirements under frameworks related to DORA.
How can the insurer maintain uninterrupted operational capability during extreme disruption, while strengthening audit and supervisory resilience confidence?

The situation

The organisation operated across multiple regions with differing maturity across business functions:

  • Inconsistent recovery objectives across claims environments.
  • Limited resilience governance for outsourced ICT services.
  • Fragmented crisis escalation during high volume disruption.
  • No unified operational resilience measurement across regions.
  • Growing regulatory scrutiny of systemic service continuity.

How the engagement was built

Engagement architecture: Operational resilience and continuity assurance for a multinational insurerExecutive assurance and crisis governance01Claims criticalserviceprioritisation an...02Outsourcing and ICTcontinuity assurance03Crisis governancefor catastrophescale disruption04Executive exercisingand supervisoryconfidenceISO 22301 aligned business impact analysis and evidence base
The engagement architecture: governance above, sector-specific pillars, an ISO 22301 evidence base beneath.

01Claims critical service prioritisation and surge continuity

With executive leadership we identified the services that must remain stable: claims intake and processing, catastrophe surge capability, policyholder communication and support, underwriting continuity.

02Outsourcing and ICT continuity assurance

Structured oversight of outsourced ICT and third party services, with evidence readiness and escalation governance aligned to operational resilience expectations.

03Crisis governance for catastrophe scale disruption

A unified crisis escalation structure across regions, designed for the simultaneous operational, market and reputational pressures of catastrophe events.

04Executive exercising and supervisory confidence

Leadership exercises on cyber and mass claims scenarios, producing the measurable evidence supervisors and auditors expect.

What programmes of this maturity deliver

Consistent with the firm's experience across the sector, high maturity programmes of this kind typically achieve:

Typical outcome ranges of high maturity programmes0%50%100%Faster recovery capability30 to 50%
Typical ranges across comparable high maturity programmes, not a single client claim.
  • Stronger catastrophe surge continuity.
  • Improved regulatory and audit confidence.
  • Enhanced crisis escalation coordination across regions.
Frequently asked questions: Insurance resilience
How does ISO 22301 apply to insurance organisations?

It ensures claims critical services, customer support and catastrophe continuity priorities are measurable and auditable across operations.

Why is outsourcing resilience essential for insurers?

Insurance continuity increasingly depends on outsourced ICT and third party services. Effective resilience requires structured oversight, evidence readiness and escalation governance aligned with operational resilience expectations.

What does DORA mean for insurers?

DORA sets requirements across ICT risk management, incident reporting, resilience testing and oversight of critical ICT providers for financial entities, with evidence expected, not assurances.

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