Recovery Time Objective (RTO) represents a crucial business continuity metric defining the maximum tolerable downtime before operations suffer irreversible harm. RTOs vary by system criticality: payment processing, customer-facing applications, internal systems, and archival systems. These objectives directly impact cyber insurance considerations: shorter RTOs require more expensive hot standby or real-time replication solutions, business interruption waiting periods must align with RTOs to avoid coverage gaps, and failure to meet documented RTOs may indicate inadequate business continuity planning.
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