James owns a company that provides 24x7 telephonic technical support for a technology giant.

James owns a company that provides 24x7 telephonic technical support for a technology giant. During a risk assessment, he discovered that should a natural disaster strike rendering his facility defunct, he would need at least a hundred telephone lines up and running within eight hours to keep his business running. He contacted a service provider that assured him that a hundred virtual connections can be provided to him in such a case within the time frame. For such a service, James would have to shell out $10,000 a day. James has a cold backup site that takes 48 hours to become functional. To make it a warm or a hot site, James would have to incur a cost way more than the virtual service. Hence, James kept the cold site and kept aside $20,000 from the company funds for the virtual service should this scenario occur. What is this emergency fund that James kept aside called?