Please update your browser .

Chase Logo

Every Business Needs a Contingency Plan

The coronavirus situation reminds businesses everywhere that  employees, financial operations, supply chains and customer relations can all be affected. Fraudsters and cybercriminals also might see an opportunity to catch your business with its guard down. 

That’s why every business needs a plan to meet disruptions with clarity, confidence and relative calm. At Chase, we have our own resiliency protocols as well as tools and support to ensure your business is prepared. We’re here to help.

The Anatomy of a Plan

A good plan first identifies the most likely disruptions. Separating the probable from the possible helps you chart realistic tactics and achievable goals. Disruption comes in many forms:

  • Are emergency supplies readily available? Will your vendors be affected?
  • Do you have back up technology available? Will you be able to receive payments from customers?
  • How will you manage through prolonged employee absence due to health concerns or illness? A good plan will answer a handful of core questions:

Regardless of disruption type, a good plan will answer a handful of core questions:

  • What—systems and processes will likely be affected?
  • Who—must be notified?   
  • When—do specific actions need to be taken, in order of priority?
  • Where—will your business operate?   
  • How—will circumstances change the way employees do their work?

Getting Started

You’ve identified the likely disruptions. Depending on the identified possibilities your response will need to vary.  

Develop a continuity plan for each scenario. In case of potential data breach or malware attacks, notify Chase immediately, as well as your customers and vendors. In a situation where payment systems might be disrupted, have backup options in place if payments need to happen remotely. 

Ultimately, you want to protect employees, stabilize your supply chain and stay in close contact with customers. 

  • Draw up scenario-specific health practices and evacuation plans. Know your protocol for securing facilities and data.
  • Analyze and adjust cash-flow budgets so that you can pay employees and bills on time. Establish alternatives for paycheck distribution.
  • Stay in close communication with existing vendors, financial institutions and external partners.
  • Make it clear which suppliers, service providers and vendors you need to pay, including how much and by when. Consider keeping digital and printed copies of vendor-critical information.
  • Prioritize transactions—time-sensitive, urgent, scheduled.
  • Keep an eye on customer communication channels. Don’t overlook social media. 

Location, Location, Location  

For some businesses, a physical location is essential to ongoing operations. This might mean having alternate locations and backup facilities.

  • Keep card readers and point-of-sale equipment clean and disinfected. Visit our payments support center for instructions.
  • Can you rapidly shift accounting operations to a different location during a crisis? Be sure you have access to the tools you need to make time-sensitive payments, such as payroll and taxes.
  • You might need Wi-Fi access or additional supplies and equipment, such as computers and deposit slips.
  • Consider whether your business insurance provides coverage for a significant financial loss as the result of a closure or a disrupted supply chain.
  • If your business is heavily dependent on a physical storefront, consider investing in your digital presence to help customers find you.
  • How will workflow be affected at backup locations or for employees working from home? Can they get to important resources, such as banking IDs, passwords and accounts payable lists? Confirm that remote access and login credentials are current and that employees have remote access.


You’ve thought through the contingencies and documented your plan. To make it effective, you’ll need clear and thorough communication.

  • What’s the emergency chain of command? Who takes on key responsibilities if those typically in charge are unable to do so? Set expectations. Name specific roles and actions.
  • Assign a management team accountable for immediate response and employee safety.
  • If your contingency site is being leased, communicate with the tenants about space allocation during an emergency. 
  • Open lines of communication with those beyond your walls. Remember to include your customers, vendors and banking institutions. Public agencies and local services also need to know your plan. 
  • Document and distribute all the above information.

Sharing and communicating your plan is vital, but don’t let it collect dust. Make preparedness part of your culture.

  • Run training and Q&A sessions. Consider providing online resources or bringing in speakers to share experiences and best practices.
  • Incentivize participation. For example, give a disruption-preparedness quiz and reward people for perfect scores.
  • Practice your plan. Run through scripted crises in a tabletop simulation.
  • Regularly update emergency and contact information. 


Even after a crisis has ended, you need to stay diligent. 

  • Monitor banking services and payroll to ensure consistency.
  • Stay alert. Businesses are more susceptible to cybercrime and fraud during sensitive times.
  • Be empathetic. Consider employees’ emotional needs post-crisis. In some cases, you’ll need to be ready to offer access to support resources.

Focusing on preparedness and including everyone in the process helps your business minimize disruption, and it sends an important message: You care about your business, and you also care deeply about your customers.

Chase is committed to you and your business

We’re here for you when you need us, whether it’s providing best practices, professional consultation or business tools and resources. Reach out to your client service representative if you need assistance.

Here are some tips to help your business stay on the right track:

  • Make sure we can get in touch with you if we need to confirm account information.
  • Utilize ATMs. Download the mobile app so you have easy access to online banking from your phone. Use Chase QuickDeposit SM  to snap a picture of your checks and deposit them without hassle. 
  • Send and receive money from virtually anyone you know and trust with Chase QuickPay® with Zelle®.
  • Easily pay your Chase credit cards, loans and other bills by setting up recurring payments. See transactions, balances and important details like account and routing numbers, and transfer money between accounts without difficulty.
  • Check out these  how-to videos .

Chase Mobile ®  app is available for select mobile devices. Enroll in Chase OnlineSM or on the Chase Mobile app. Message and data rates may apply. 

Chase QuickDepositSM is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See  or the Chase Mobile ®  app for limitations, terms, conditions and details. Chase Mobile app is available for select mobile devices. Chase QuickDeposit is compatible with iPhone and iPad devices with iOS 11.0 and above. For Android devices, we recommend a 4-megapixel rear-facing camera with auto focus for the best performance. Enroll on the Chase Mobile app. Message and data rates may apply.

Chase QuickPay ®  with Zelle ® : Enrollment in Chase Quickpay with Zelle is required. Both parties need a U.S. bank account; only one needs an eligible Chase account. Funds are typically made available in minutes when the recipient’s email address or U.S. mobile number is already enrolled with  Zelle  (go to  to view participating banks. Select transactions could take up to 3 business days. Enroll on the Chase Mobile app or on Chase Online. Limitations may apply. Message and data rates may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Chase Online Bill Pay: Must enroll in Chase Online Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.


Chase, J.P. Morgan, and JPMorgan Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its affiliates and subsidiaries worldwide (collectively, “JPMC,” “We,” “Our” or “Us,” as the context may require).The information in these materials is not advice on legal, tax, investment, accounting, regulatory, technology or other matters. You should always consult your own financial, legal, tax, accounting or similar advisors before entering into any agreement for our products or services. In no event shall JPMC or any of its directors, officers, employees or agents be liable for any use of, for any decision made or action taken in reliance upon or for any inaccuracies or errors in, or omissions from this information. JPMC assumes no responsibility or liability whatsoever to any person in respect of such matters, and nothing within this document shall amend or override the terms and conditions in the agreement(s) between JPMC and the Company.

J.P. Morgan will never send emails that require you to send account or personal information to us via public email or pop-up windows. View additional information on practices used by JPMC and how to safeguard your online activity at

©2020 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase Bank, N.A. Member FDIC. All services are subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by J.P. Morgan Chase & Co. and or its affiliates.


Chase Privacy Operations, Attention: Commercial Banking, PO Box 659752, San Antonio, Texas 78265-9752  

You’re now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

  • Asia Pacific
  • Latin America
  • Middle East & Africa
  • North America

Mainland China

From startups to legacy brands, you're making your mark. We're here to help.

  • Innovation Economy Fueling the success of early-stage startups, venture-backed and high-growth companies.
  • Midsize Businesses Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
  • Large Corporations Innovative banking solutions tailored to corporations and specialized industries.
  • Commercial Real Estate Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
  • Community Impact Banking When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
  • International Banking Power your business' global growth and operations at every stage.
  • Client Stories

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

  • Asset Based Lending Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
  • Equipment Financing Maximize working capital with flexible equipment and technology financing.
  • Trade and Working Capital Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
  • Syndicated Financing Leverage customized loan syndication services from a dedicated resource.

Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

  • Institutional Investors We put our long-tenured investment teams on the line to earn the trust of institutional investors.
  • Markets Offering market-leading research, proprietary pricing data and analytics, and trade execution across multiple asset classes, including credit, equities and FX.
  • Prime Services Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
  • Global Research Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
  • Securities Services Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.
  • Financial Professionals
  • Liquidity Investors

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

  • Center for Carbon Transition J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
  • Corporate Finance Advisory A global, multi-disciplinary solutions team that specializes in structured M&A and capital markets.
  • Development Finance Institution Financing opportunities with anticipated development impact in emerging economies.
  • ESG Solutions Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
  • Mergers & Acquisitions J.P. Morgan advises corporations and institutions of all sizes on mergers and acquisitions (M&A), meeting the most complex strategic needs in local markets as well as on a global scale.
  • Capital Connect
  • In Context Newsletter from J.P. Morgan
  • Director Advisory Services

Accept Payments

Explore Blockchain

Client Service

Process Payments

Manage Funds

Safeguard Information


Send Payments

  • Partner Network

A uniquely elevated private banking experience shaped around you.

  • Banking We have extensive personal and business banking resources that are fine-tuned to your specific needs.
  • Investing We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
  • Lending We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.
  • Planning No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

  • Invest on your own Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
  • Work with our advisors When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
  • Expertise for substantial wealth Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.
  • Why Wealth Management?
  • Retirement Calculators
  • Market Commentary

Who We Serve

Explore a variety of insights.

  • Newsletters
  • Global Research

Insights by Topic

Explore a variety of insights organized by different topics.

Insights by Type

Explore a variety of insights organized by different types of content and media.  

  • All Insights

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

Business Resiliency

No results found

Adjust your filter selections to find what you’re looking for

Related insights

Abstract hexagons on dark background

Thriving in uncertain times: Janice Bryant Howroyd

May 01, 2023

Fred Royall talks people, priorities and personality with business owner, author and philanthropist Janice Bryant Howroyd—the first Black woman to found a billion-dollar business.

Abstract white waves on a black background

How your business can reduce 5 treasury management risks

Apr 24, 2023

J.P. Morgan experts identify common treasury management risks and how companies ranging from startups to corporations can better manage cash and mitigate risks.


Women-owned businesses are ready for anything

Feb 01, 2023

We spoke with women business owners and their advocates about how companies can capitalize on opportunities and differentiate themselves.

business continuity plan jp morgan

Managing stock-based compensation in private companies

Jan 06, 2023

Planning With Family Entities

A family LLC or partnership could be the core of an estate plan, especially for complicated and valuable assets.

business continuity plan jp morgan

Incentive stock options and the AMT

Jan 05, 2023


Understanding business entities

Jan 04, 2023

If you have a business or are thinking about starting one, you’ll have to decide how you want to structure it. Your answer may differ depending on your particular goals. Below is a summary of common business entities, as well as the benefits and drawbacks of each structure.

Rethinking country risk abstract pattern

Rethinking country risk

Dec 01, 2022

Your country risk is about more than your company’s physical presence. Find out how to mitigate exposure in the global economy.

You're now leaving J.P. Morgan

J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.

Investment Vehicles

  • Commingled Funds

Investment Options

  • Alternatives
  • Beta Strategies
  • Fixed Income
  • Global Liquidity
  • Multi-Asset Solutions

Capabilities & Solutions

  • Global Insurance Solutions
  • Liability-Driven Investing
  • Pension Strategy & Analytics
  • Outsourced CIO
  • Retirement Plan Solutions
  • Sustainable Investing

Market Insights

  • Market Insights Overview
  • Eye on the Market
  • Guide to the Markets
  • Guide to Alternatives
  • Market Updates

Portfolio Insights

  • Portfolio Insights Overview
  • Asset Class Views
  • Long-Term Capital Market Assumptions
  • Portfolio Strategy
  • Strategic Investment Advisory Group

Retirement Insights

  • Retirement Insights Overview
  • Guide to Retirement
  • Defined Contribution
  • Center for Investment Excellence Podcasts
  • Events & Webcasts
  • Insights App
  • Taft-Hartley
  • Market Response Center
  • NEW: Morgan Institutional
  • Trusted Asset Manager
  • Diversity, Equity & Inclusion
  • LinkedIn Twitter Facebook Line

Our business resiliency program

Karen Trapani, Global Head of AWM Operations Control Management and Business Resiliency, and Kimara Bonhomme, the Global Head of AWM Business Resiliency, share our business resiliency framework.


  1. Business Continuity Pandemic Plan Jaga Bisnismu dari Pandemi Tanpa

    business continuity plan jp morgan

  2. Business continuity in the wake of COVID-19

    business continuity plan jp morgan

  3. Business Continuity: The Plan You Hope You’ll Never Need

    business continuity plan jp morgan

  4. Business Continuity Plan in Times of Crisis

    business continuity plan jp morgan

  5. Implementing Your Business Continuity Plan (Second Edition)

    business continuity plan jp morgan

  6. Which Of The Following Is Not Addressed By A Business Continuity Plan

    business continuity plan jp morgan


  1. The Biggest Problem With Prototype

  2. continuity and differentiability class 12 ncert. continuity and differentiability class 12

  3. IRFC SHARE 2023


  1. Disclosure to Clients for Compliance with FINRA Rule 4370

    JPMS has business continuity plans, which have been tested. These plans include off-site facilities for trading, critical investment systems, and operating areas. In addition, call forwarding and other telecommunication services are in place to provide continued communication between JPMS and its clients.

  2. Business Resiliency

    J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly ...

  3. Business Continuity Plans

    While no contingency plan can eliminate the risk of business interruption, or prevent temporary delays with account access, the firm’s continuity plan is intended to mitigate all reasonable risk and resume critical business operations within 24 hours or the next business day, whichever is later.

  4. Every Business Needs a Contingency Plan

    Getting Started You’ve identified the likely disruptions. Depending on the identified possibilities your response will need to vary. Develop a continuity plan for each scenario. In case of potential data breach or malware attacks, notify Chase immediately, as well as your customers and vendors.

  5. Treasury Tech Can Improve Business Continuity

    Investing in treasury technology now can help keep your business up and running during crises. Companies with adequate treasury technology can transition to remote work more easily than businesses reliant on paper processes.

  6. Our business resiliency program

    Distribution: J.P. Morgan Funds are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. JPMorgan Distribution Services, Inc. is a member of FINRA.