The last company I worked for where I was (de facto) in charge of IT (small company so I wore lots of hats) could have recovered if both sites burnt down and I

The last company I worked for where I was (de facto) in charge of IT (small company so I wore lots of hats) could have recovered if both sites burnt down and I got hit by a bus since I made sure that all code, data and instructions to re-up everything existed off site, that both most senior managers understood how to access everything and enough to hand it to a competent firm with a memory stick and a password. In some ways losing your ERP and it's backups would be harder to recover from than both sites burning down, insurance would cover that at least.