What insurers are asking for
Following industry-wide DMS disruptions, carriers often require applicants to describe independent data backups, restoration testing, and continuity plans—not only vendor-managed protections.
Statements like 'we rely on our DMS vendor' may not meet current underwriting expectations without additional documentation.
How to prove backup capability
Insurers look for evidence of recoverable copies, department coverage, and retrieval procedures. A backup assessment can document scope, synchronization frequency, and physical-media custody procedures.
Balancing cost and risk reduction
Independent DMS backup programs can offset premium increases and compliance exposure when paired with documented controls—especially for franchise and multi-rooftop groups.