This document provides information on risk management for businesses. It discusses how identifying and addressing risks can reduce insurance costs and prevent losses. Key risks include those relating to premises like fire and theft, equipment like computers, employees, transportation, and theft or fraud. The document recommends businesses conduct risk assessments, improve security, and develop contingency plans to minimize risks and the impact of any losses. Proper risk management is also required by law for health and safety.
A lecture given by Naor Penso to emergency & disaster management masters students @ Tel-Aviv University to educate them on cybersecurity crisis management.
2018: The Year Drones Modernize the P&C Insurance Claims ProcessKespry, Inc.
This slide deck was originally published for the January 17th, 2018 webinar: http://click.kespry.com/drones-modernize-insurance
Description:
In 2017, catastrophic hurricanes Harvey and Irma represented a major inflection point for the use of drone-based aerial intelligence in the insurance industry. As insurance companies were processing claims as quickly as possible in affected areas, several key insights in efficiency emerged from operations at such scale.
This slide deck will outline how the response to these catastrophes clearly demonstrates the value that drones deliver to the insurance industry:
1. Process claims faster to ensure clients can repair quickly
2. Reduce loss adjustment expense
3. Improve the safety of adjustors and roof inspectors
Review the deck break down 5 discoveries from this past storm season, and look forward to the future of claims processing in 2018.
The document outlines steps for responding to an insider abuse incident, including establishing contacts and procedures during preparation; detecting the incident through technical alerts, human reports, or external notifications; containing the threat by involving parties, lowering privileges, and seizing devices; investigating through forensics and logs; taking disciplinary action or filing a complaint as needed for remediation; restoring normal operations and communications during recovery; and documenting lessons learned in an incident report to improve plans and defenses.
This document provides guidance on protecting a law firm from emergencies and disasters. It recommends conducting a safety assessment of the office, establishing emergency procedures, and taking precautions such as storing backups of computer data and important documents off-site. Key steps include appointing a safety coordinator, conducting inspections for hazards, educating employees on emergency plans, and stocking emergency supplies. Protecting client information, equipment, and personnel is essential to law firm preparedness and continuity in times of crisis.
Webinar: Don’t Be a Victim to Cyber Liability RisksKeenanSolutions
Data is everywhere within our organizations. Not protecting the data puts your organization at risk of lawsuits and other regulatory fines.
Cyber liability is one of the newest emerging risks that schools, public agencies, and healthcare organizations must manage on a daily basis. Don’t become one of the almost 4,500 organizations across the United States who were victims of a data breach within the last 10 years.
-
Webinar: ACA “Notice of Coverage Options” Requirement – Are you Ready?KeenanSolutions
“We have to send out the ‘Notice to Employees of Coverage Options’ form when???!!!!”
By October 1, 2013 – less than 1 month away! But don’t worry, Keenan is here to help you meet this deadline and comply with this requirement of the Affordable Care Act.
This complimentary, one hour webinar will give you a crash course regarding the following:
- What is the ‘Notice to Employees of Coverage Options’?
- How do we remain compliant with this ACA requirement?
- What does this notice need to contain?
- Is it better to use the Model Notice provided by the Department of Labor?
- How do you fill in the Model Notice?
- What are the methods to determine Minimum Value and Affordability?
- What resources are available for further information?
Construction projects in cultural heritage institutions can be challenging for their collections. This 5 part presentation offers some suggestions for a successful build.
While employment liability claims typically involve wrongful termination, discrimination or harassment, there’s one more area to add to this trio: Retaliation Claims. These claims have become more common and our one-hour webinar, presented by Employment Liability expert Dennis Walsh, will give you a crash course on the following:
- Expanded definition of “Retaliation Claims”
- Review of several retaliation cases
- Best practices to mitigate retaliation claims
A lecture given by Naor Penso to emergency & disaster management masters students @ Tel-Aviv University to educate them on cybersecurity crisis management.
2018: The Year Drones Modernize the P&C Insurance Claims ProcessKespry, Inc.
This slide deck was originally published for the January 17th, 2018 webinar: http://click.kespry.com/drones-modernize-insurance
Description:
In 2017, catastrophic hurricanes Harvey and Irma represented a major inflection point for the use of drone-based aerial intelligence in the insurance industry. As insurance companies were processing claims as quickly as possible in affected areas, several key insights in efficiency emerged from operations at such scale.
This slide deck will outline how the response to these catastrophes clearly demonstrates the value that drones deliver to the insurance industry:
1. Process claims faster to ensure clients can repair quickly
2. Reduce loss adjustment expense
3. Improve the safety of adjustors and roof inspectors
Review the deck break down 5 discoveries from this past storm season, and look forward to the future of claims processing in 2018.
The document outlines steps for responding to an insider abuse incident, including establishing contacts and procedures during preparation; detecting the incident through technical alerts, human reports, or external notifications; containing the threat by involving parties, lowering privileges, and seizing devices; investigating through forensics and logs; taking disciplinary action or filing a complaint as needed for remediation; restoring normal operations and communications during recovery; and documenting lessons learned in an incident report to improve plans and defenses.
This document provides guidance on protecting a law firm from emergencies and disasters. It recommends conducting a safety assessment of the office, establishing emergency procedures, and taking precautions such as storing backups of computer data and important documents off-site. Key steps include appointing a safety coordinator, conducting inspections for hazards, educating employees on emergency plans, and stocking emergency supplies. Protecting client information, equipment, and personnel is essential to law firm preparedness and continuity in times of crisis.
Webinar: Don’t Be a Victim to Cyber Liability RisksKeenanSolutions
Data is everywhere within our organizations. Not protecting the data puts your organization at risk of lawsuits and other regulatory fines.
Cyber liability is one of the newest emerging risks that schools, public agencies, and healthcare organizations must manage on a daily basis. Don’t become one of the almost 4,500 organizations across the United States who were victims of a data breach within the last 10 years.
-
Webinar: ACA “Notice of Coverage Options” Requirement – Are you Ready?KeenanSolutions
“We have to send out the ‘Notice to Employees of Coverage Options’ form when???!!!!”
By October 1, 2013 – less than 1 month away! But don’t worry, Keenan is here to help you meet this deadline and comply with this requirement of the Affordable Care Act.
This complimentary, one hour webinar will give you a crash course regarding the following:
- What is the ‘Notice to Employees of Coverage Options’?
- How do we remain compliant with this ACA requirement?
- What does this notice need to contain?
- Is it better to use the Model Notice provided by the Department of Labor?
- How do you fill in the Model Notice?
- What are the methods to determine Minimum Value and Affordability?
- What resources are available for further information?
Construction projects in cultural heritage institutions can be challenging for their collections. This 5 part presentation offers some suggestions for a successful build.
While employment liability claims typically involve wrongful termination, discrimination or harassment, there’s one more area to add to this trio: Retaliation Claims. These claims have become more common and our one-hour webinar, presented by Employment Liability expert Dennis Walsh, will give you a crash course on the following:
- Expanded definition of “Retaliation Claims”
- Review of several retaliation cases
- Best practices to mitigate retaliation claims
This document discusses prevention and response strategies for businesses regarding terrorism and other threats. It emphasizes the importance of conducting vulnerability assessments, having security plans and training employees to recognize suspicious behaviors and activities. For bomb threats, the document advises gathering information, searching the premises and notifying police. For vehicle-borne IEDs, it recommends immediate evacuation and notifying police without attempting to move the vehicle. The response to an actual bombing is to evacuate, notify emergency services, secure the area and follow police instructions.
Disaster management approaches in chhattishgarhShubham Agrawal
This document outlines disaster management approaches in Chhattisgarh, India. It defines a disaster as an event that risks human life loss of over 10 people, exceeds available resources, or causes over 1 Crore (10 million) rupees in property damage. Disaster preventive measures include following construction codes and having multiple evacuation routes. The disaster management plan involves assessing risk, coordinating with emergency services, raising alarms, and appointing personnel for emergency control and response both on and off site. When a disaster occurs, coordinators report to the control room and technical and support staff take action according to their roles. The conclusion calls for improved access to standardized disaster information across organizations to enhance decision making.
Corporate security is the the best choice to mitigate the risks and maximize the investment. The goal is ensure the survival of the company and add value.
A lossless summary of Frank Bott book, Professional Issues in IT, chapter 12 "Software Contract and Liability".
Contents:
1. Contract
2. Fixed Price Contracts for Bespoke Systems
3. Consultancy and Contract Hire
4. Time and Materials
5. Outsourcing
6. License Agreements
7. Liability for Defective Software
8. Health and Safety
This document provides information about a textbook titled "Professional Issues in Information Technology" by Frank Bott. It addresses several topics related to social, legal, financial, organizational, and ethical issues in the IT industry. The book covers issues like professionalism, intellectual property law, legal/ethical issues regarding computer/internet misuse, data protection, and organizational structures. It is intended to match the syllabus of the BCS Professional Examination Diploma compulsory module on professional issues in information systems practice.
This document provides an overview of a safety and security training course. It begins with information on fire alarms, exits, facilities and conduct during the course. The outlines cover private security industry, communication, health and safety, fire safety, and emergency procedures. The document then goes on to define security and the private security industry. It describes the three main types of security provision - manned security, physical security systems, and technical systems. The roles of various security operatives are outlined. The document emphasizes the importance of professionalism in the security industry and communication and customer care skills. It covers health and safety procedures, risks, hazards, and personal protective equipment. First aid duties and fire safety are also summarized.
Code of practice for physical security systems in banksSamer Al Basha
The document is a draft Indian standard code of practice for physical security systems in banks. It outlines organizational responsibilities for security, including having a security manual and program. It describes location and infrastructure considerations as well as security measures like risk categorization, primary in-built measures, essential general measures, and desirable additional measures. It also provides procedures for opening, closing, and accessing branches after hours. In the event of an incident, branches must immediately report to law enforcement and authorities.
Physical Security - Why Your Business Needs ItTerra Verde
This document discusses the importance of physical security (PhySec) programs. It defines PhySec as measures that protect people, property, and assets from harm, unauthorized access, and theft. Effective PhySec deters crimes through deterrence, active monitoring, delaying intruders, responding to incidents, and quick recovery. Sound PhySec programs incorporate many elements like access controls, surveillance, alarms, and response plans. To implement PhySec properly, an organization must understand its threats, vulnerabilities, assets, costs, and business needs. Both overt and covert security measures working together provide the best protection.
The video discusses the different types of risk in business, including speculative gains or losses from decisions and pure losses from events like fires. It also covers the types of losses that can occur, direct and indirect, and the four main approaches to dealing with risks: avoidance, reduction, assumption, and transfer. The approaches are explained with examples like stopping risky product lines, installing safety systems, and purchasing insurance.
Workplace safety and security in the hotel industry involves identifying and minimizing risks to employee health and safety. About 18,000 injury claims are filed annually in the hotel sector. Employers must provide a safe workplace while employees must follow safety procedures. Hazards include slips, trips, falls, manual handling, hot surfaces in kitchens, chemicals, and moving vehicles. The proper use of safety equipment, protective clothing, emergency procedures, and incident reporting helps control risks.
Dropped objects resulted in 52,000 worksite injuries and 278 deaths in 2018. In 5 minutes or less, you can get up to speed on this growing risk and the solutions that can be used to keep workers safe.
El documento habla sobre los resultados de cambios de imagen, señalando que aunque a veces los resultados no son favorables y no siempre se está más guapa después de un tratamiento, los cambios favorables y las grandes mejoras con prótesis pueden llevar a resultados óptimos.
Construction Futures Wales - Boost your green performance 2016Rae Davies
This document provides an overview of environmental and sustainability issues facing the construction industry, including their effects on the environment, good site practices around airtightness, waste management, and carbon management. It also discusses certifications like ISO 14000 and how Construction Futures Wales can help companies through consultancy, courses, and applying for support. The key topics covered are airtightness, waste reduction, building as designed, and increasing environmental awareness on construction sites.
Learn what makes up an email marketing campaign. These few slides show the 3 elements of every email marketing campaign.
Understanding this will make it easy to use any email marketing software (Mailchimp, Aweber, Campaign Monitor). They all follow the same structure.
You can learn more at mailerbob.com/learn
RWE Mynydd y Gwair Supply Chain Event - Bricks & Mortar / Sue WoodwardRae Davies
This document discusses community benefits that can arise from large construction projects through social benefit clauses in contracts. It describes how these clauses can create training places, apprenticeships, and job opportunities for unemployed, economically inactive, and young people. Examples of opportunities include qualifications in craft trades, engineering, and other training in areas like health and safety. The document advocates for businesses to work with the City and County of Swansea's Beyond Bricks & Mortar program to recruit candidates for jobs and develop staff through training opportunities.
RWE Mynydd y Gwair Supply Chain Event - Tim James / Kirsty CurryRae Davies
The document provides information about the Mynydd y Gwair Wind Farm project being developed by RWE Innogy UK. It discusses the location, number of turbines, capacity, investment amount, and community fund. It outlines the planning timeline including consent, surveys, enabling works and civil/electrical works. It describes the work packages, contracts, and opportunities for local suppliers in areas like civil works, foundations, electrical works, habitat restoration, and more.
Operational risk is the risk of loss from inadequate or failed internal processes, people, and systems or from external events. This document provides a summary of operational risk, including:
1) It defines operational risk and provides examples such as business interruption, errors by employees, product failure, and IT systems failure.
2) Risks can be identified through various techniques like workshops and audits to assess processes. They are then assessed for impact and likelihood.
3) Operational risks are managed through techniques like risk acceptance, risk sharing, risk reduction, and risk avoidance such as purchasing insurance. Ongoing monitoring and review is important.
RWE Mynydd y Gwair Supply Chain Event - Jones Bros / Paul ThorburnRae Davies
Jones Brothers (Henllan) Ltd is a multi-disciplinary contractor based in Cross Hands, Wales that has been in business since 1971. They presented at an event about their work on the Mynydd Y Gwair Wind Farm project, which will involve earthworks, highway construction, drainage, fencing, and turbine foundation construction. They aim to hire local workers where possible and use local subcontractors and suppliers to support the Welsh economy and deliver community benefits from the project.
Construction Futures Wales Workplace Health Workshop - Case Studies - Public ...Rae Davies
This document discusses two case studies of businesses in Wales that have improved their approach to employee health, safety, and wellbeing. The first case study focuses on Laing O'Rourke, a large construction company that partnered with MIND in 2015 to provide mental health training to managers and create an online resource center. They have also recruited mental health champions and signed a pledge to promote open discussion of mental health issues. The second case study highlights a family-owned construction business that engaged with Public Health Wales in 2014 and implemented a stress policy, risk assessments, and open communication to better support employee wellbeing and mental health. Both companies have received recognition for their efforts to prioritize staff health.
This document discusses prevention and response strategies for businesses regarding terrorism and other threats. It emphasizes the importance of conducting vulnerability assessments, having security plans and training employees to recognize suspicious behaviors and activities. For bomb threats, the document advises gathering information, searching the premises and notifying police. For vehicle-borne IEDs, it recommends immediate evacuation and notifying police without attempting to move the vehicle. The response to an actual bombing is to evacuate, notify emergency services, secure the area and follow police instructions.
Disaster management approaches in chhattishgarhShubham Agrawal
This document outlines disaster management approaches in Chhattisgarh, India. It defines a disaster as an event that risks human life loss of over 10 people, exceeds available resources, or causes over 1 Crore (10 million) rupees in property damage. Disaster preventive measures include following construction codes and having multiple evacuation routes. The disaster management plan involves assessing risk, coordinating with emergency services, raising alarms, and appointing personnel for emergency control and response both on and off site. When a disaster occurs, coordinators report to the control room and technical and support staff take action according to their roles. The conclusion calls for improved access to standardized disaster information across organizations to enhance decision making.
Corporate security is the the best choice to mitigate the risks and maximize the investment. The goal is ensure the survival of the company and add value.
A lossless summary of Frank Bott book, Professional Issues in IT, chapter 12 "Software Contract and Liability".
Contents:
1. Contract
2. Fixed Price Contracts for Bespoke Systems
3. Consultancy and Contract Hire
4. Time and Materials
5. Outsourcing
6. License Agreements
7. Liability for Defective Software
8. Health and Safety
This document provides information about a textbook titled "Professional Issues in Information Technology" by Frank Bott. It addresses several topics related to social, legal, financial, organizational, and ethical issues in the IT industry. The book covers issues like professionalism, intellectual property law, legal/ethical issues regarding computer/internet misuse, data protection, and organizational structures. It is intended to match the syllabus of the BCS Professional Examination Diploma compulsory module on professional issues in information systems practice.
This document provides an overview of a safety and security training course. It begins with information on fire alarms, exits, facilities and conduct during the course. The outlines cover private security industry, communication, health and safety, fire safety, and emergency procedures. The document then goes on to define security and the private security industry. It describes the three main types of security provision - manned security, physical security systems, and technical systems. The roles of various security operatives are outlined. The document emphasizes the importance of professionalism in the security industry and communication and customer care skills. It covers health and safety procedures, risks, hazards, and personal protective equipment. First aid duties and fire safety are also summarized.
Code of practice for physical security systems in banksSamer Al Basha
The document is a draft Indian standard code of practice for physical security systems in banks. It outlines organizational responsibilities for security, including having a security manual and program. It describes location and infrastructure considerations as well as security measures like risk categorization, primary in-built measures, essential general measures, and desirable additional measures. It also provides procedures for opening, closing, and accessing branches after hours. In the event of an incident, branches must immediately report to law enforcement and authorities.
Physical Security - Why Your Business Needs ItTerra Verde
This document discusses the importance of physical security (PhySec) programs. It defines PhySec as measures that protect people, property, and assets from harm, unauthorized access, and theft. Effective PhySec deters crimes through deterrence, active monitoring, delaying intruders, responding to incidents, and quick recovery. Sound PhySec programs incorporate many elements like access controls, surveillance, alarms, and response plans. To implement PhySec properly, an organization must understand its threats, vulnerabilities, assets, costs, and business needs. Both overt and covert security measures working together provide the best protection.
The video discusses the different types of risk in business, including speculative gains or losses from decisions and pure losses from events like fires. It also covers the types of losses that can occur, direct and indirect, and the four main approaches to dealing with risks: avoidance, reduction, assumption, and transfer. The approaches are explained with examples like stopping risky product lines, installing safety systems, and purchasing insurance.
Workplace safety and security in the hotel industry involves identifying and minimizing risks to employee health and safety. About 18,000 injury claims are filed annually in the hotel sector. Employers must provide a safe workplace while employees must follow safety procedures. Hazards include slips, trips, falls, manual handling, hot surfaces in kitchens, chemicals, and moving vehicles. The proper use of safety equipment, protective clothing, emergency procedures, and incident reporting helps control risks.
Dropped objects resulted in 52,000 worksite injuries and 278 deaths in 2018. In 5 minutes or less, you can get up to speed on this growing risk and the solutions that can be used to keep workers safe.
El documento habla sobre los resultados de cambios de imagen, señalando que aunque a veces los resultados no son favorables y no siempre se está más guapa después de un tratamiento, los cambios favorables y las grandes mejoras con prótesis pueden llevar a resultados óptimos.
Construction Futures Wales - Boost your green performance 2016Rae Davies
This document provides an overview of environmental and sustainability issues facing the construction industry, including their effects on the environment, good site practices around airtightness, waste management, and carbon management. It also discusses certifications like ISO 14000 and how Construction Futures Wales can help companies through consultancy, courses, and applying for support. The key topics covered are airtightness, waste reduction, building as designed, and increasing environmental awareness on construction sites.
Learn what makes up an email marketing campaign. These few slides show the 3 elements of every email marketing campaign.
Understanding this will make it easy to use any email marketing software (Mailchimp, Aweber, Campaign Monitor). They all follow the same structure.
You can learn more at mailerbob.com/learn
RWE Mynydd y Gwair Supply Chain Event - Bricks & Mortar / Sue WoodwardRae Davies
This document discusses community benefits that can arise from large construction projects through social benefit clauses in contracts. It describes how these clauses can create training places, apprenticeships, and job opportunities for unemployed, economically inactive, and young people. Examples of opportunities include qualifications in craft trades, engineering, and other training in areas like health and safety. The document advocates for businesses to work with the City and County of Swansea's Beyond Bricks & Mortar program to recruit candidates for jobs and develop staff through training opportunities.
RWE Mynydd y Gwair Supply Chain Event - Tim James / Kirsty CurryRae Davies
The document provides information about the Mynydd y Gwair Wind Farm project being developed by RWE Innogy UK. It discusses the location, number of turbines, capacity, investment amount, and community fund. It outlines the planning timeline including consent, surveys, enabling works and civil/electrical works. It describes the work packages, contracts, and opportunities for local suppliers in areas like civil works, foundations, electrical works, habitat restoration, and more.
Operational risk is the risk of loss from inadequate or failed internal processes, people, and systems or from external events. This document provides a summary of operational risk, including:
1) It defines operational risk and provides examples such as business interruption, errors by employees, product failure, and IT systems failure.
2) Risks can be identified through various techniques like workshops and audits to assess processes. They are then assessed for impact and likelihood.
3) Operational risks are managed through techniques like risk acceptance, risk sharing, risk reduction, and risk avoidance such as purchasing insurance. Ongoing monitoring and review is important.
RWE Mynydd y Gwair Supply Chain Event - Jones Bros / Paul ThorburnRae Davies
Jones Brothers (Henllan) Ltd is a multi-disciplinary contractor based in Cross Hands, Wales that has been in business since 1971. They presented at an event about their work on the Mynydd Y Gwair Wind Farm project, which will involve earthworks, highway construction, drainage, fencing, and turbine foundation construction. They aim to hire local workers where possible and use local subcontractors and suppliers to support the Welsh economy and deliver community benefits from the project.
Construction Futures Wales Workplace Health Workshop - Case Studies - Public ...Rae Davies
This document discusses two case studies of businesses in Wales that have improved their approach to employee health, safety, and wellbeing. The first case study focuses on Laing O'Rourke, a large construction company that partnered with MIND in 2015 to provide mental health training to managers and create an online resource center. They have also recruited mental health champions and signed a pledge to promote open discussion of mental health issues. The second case study highlights a family-owned construction business that engaged with Public Health Wales in 2014 and implemented a stress policy, risk assessments, and open communication to better support employee wellbeing and mental health. Both companies have received recognition for their efforts to prioritize staff health.
The document discusses lean construction and continuous improvement. It begins with an overview of lean principles like identifying value-adding vs. non-value adding work and minimizing waste. Tools discussed include value stream mapping, 5S, SMED (Single Minute Exchange of Dies), and the PDCA (Plan-Do-Check-Act) cycle. Continuous improvement requires engaging workers to iteratively improve quality and efficiency through small incremental changes, some of which could lead to innovation. Barriers include maintaining momentum and ensuring leadership support.
Construction Future Wales Performance Management (Benchmarking) 2016Rae Davies
Benchmarking can help companies improve performance by learning from others. Formal benchmarking involves comparing key performance indicators (KPIs) to best-in-class competitors. The Construction Futures Wales program helps companies develop KPIs across financial, customer, process, and learning/growth perspectives. Companies complete a benchmark questionnaire and have their data analyzed against similar companies to identify performance gaps and growth opportunities. The program provides benchmark reports and support to help companies improve performance over time based on objective metrics and targets.
Construction Futures Wales Workplace Health Workshop - Fit For Work - Paul KirkRae Davies
- More than 900,000 people in the UK have absences of 4 or more weeks each year, and 600,000 people fall into the benefits system without intervention. Work provides self-worth and financial stability for most.
- Currently, occupational health services are only available to 20% of the UK population. Fit for Work aims to support employees in returning to work without requiring full fitness, using a biopsychosocial approach.
- The service provides an advice line and website for general queries, and voluntary return to work support for employees off work 4+ weeks due to sickness. GPs and employers can make referrals, and the output is an agreed return to work plan.
Small businesses are vulnerable to technology crises like systems failures and cyberattacks. Many companies are unprepared for such events, with only 20% having simulated a crisis and 40% having no crisis plan at all. Preparing for technology crises requires investments like backup communications systems, supply chain hardening, and ensuring executives' home networks are secure. Failure to prepare can be devastating for small businesses, with over 40% never reopening after a disaster.
This document discusses risk management and insurance for small businesses. It begins by defining risk for business owners and identifying common sources of risk such as financial investments, theft, nonpayment of debts, and natural disasters. It then examines risks related to a business's property, personnel, customers, and intangible property. The document provides strategies for managing these risks, such as developing policies and procedures, securing valuable assets, and obtaining different types of insurance. It concludes by discussing ways for businesses to share risk through joint ventures, industry groups, and government funding programs.
Running a business involves many risks that can damage operations and finances. Proper risk management involves identifying potential risks, prioritizing them based on likelihood of occurrence, and taking steps to prevent or insure against them. Key risks include physical hazards like fires or hazardous materials, human factors like theft or illness, and technology issues such as power outages or data loss. The best approach is to prevent risks through employee training, safety inspections, and insurance while having emergency plans in place to minimize damage from any risks that do occur.
This document discusses various types of insurance coverage that businesses should consider, including property damage insurance, public and products liability insurance, employers' liability insurance, and business interruption insurance. It also outlines several health and safety responsibilities of businesses, such as conducting fire risk assessments, ensuring proper electrical and gas equipment inspections, and complying with general risk management practices. The document provides an overview of related insurance products and services that can help protect businesses, such as legal expenses, professional indemnity, directors and officers liability, cyber and data protection, and engineering insurance.
Protect your Business from Crime, Here are ten ways you can reduce the risks your businesses face on a day to day basis. Visit http://www.tag-guard.com/
The document outlines 10 safety mistakes that hotel managers commonly make and how to avoid them. These mistakes include cutting back on security personnel, not having evacuation routes posted in meeting rooms, insufficient lighting on the property, lack of employee training programs, non-compliance with OSHA standards, storing backup data on-site, not installing phones in fitness centers, failing to perform background checks on employees, not regularly checking detection devices, and not periodically inspecting emergency equipment. The author recommends implementing preventative safety measures to protect guests, employees, and the business.
The document provides guidance on physical security measures for protecting buildings, equipment, and information. It recommends securing building access points, monitoring equipment placement, maintaining access logs, and identifying organization property. It also suggests preparing for threats like theft, natural disasters, or equipment malfunctions through measures such as equipment tracking, environmental controls, and backup power sources. The document stresses applying security protocols appropriately based on risk assessments.
This document discusses risk management and provides details on key aspects of establishing a risk management program. It covers:
- The definition and focus of risk management as developing a plan to deal with potential losses and protect organizational assets.
- The risk management process involves identifying and measuring exposures, choosing efficient control and financing methods, and monitoring outcomes.
- Key tools for controlling losses include risk avoidance, loss prevention to reduce the frequency of losses, and loss reduction to minimize the impact of losses.
- Risk financing refers to insuring against losses or retaining losses, with the goal of continuing operations after a loss occurs in the most economical manner.
This document discusses various methods for managing specialized risks. It covers managing property risk through avoidance, non-insurance transfers like leases, and loss control measures. It also discusses managing crime risk through deterring employee and non-employee crimes. Managing e-risks like email, online fraud, and unauthorized access is addressed. Finally, it briefly touches on managing technical, international, and crisis risks.
This document provides guidance for small businesses on cyber security risks and recommendations for managing those risks. It discusses how common cyber attacks target business information and systems. The document recommends a three-step approach to managing cyber security risks: 1) planning, which involves identifying critical assets and risks; 2) implementation, such as installing antivirus software and passwords; and 3) review, like periodically testing controls and monitoring for attacks. Basic security practices are advised to protect a business without needing expert knowledge or significant costs.
Refrigeration natural disaster planning and recoveryMatthew Darby
What to think about when developing Business Continuity and Disaster Planning for you business for your commercial refrigeration systems. Includes what to do before a natural disaster, during and after a natural disaster to prepare commercial refrigeration systems to come through.
The document discusses different types of risks that businesses face including economic risks from factors like competitors or regulations, natural risks from disasters, and human risks from errors or unpredictable behavior. It defines risk management as actions to prevent or reduce loss, which can include avoiding, assuming, or transferring risk. The document recommends businesses identify risks, develop a risk management plan including roles and procedures, and communicate the plan to employees. It provides examples of risks from theft, robbery, fraud, and bounced checks and ways businesses can help prevent losses from these risks.
Business Risks discussed: #1 Claim/Problem, Telecommuting, Signage, Age of Connectivity, OSHA Visit, IT Firm Insurance, Power Failure: Spoilage, Business Auto Policies
This document provides guidelines for construction companies to minimize risks from underground service strikes. It discusses the human and financial costs of strikes, which can be substantial. Key steps are outlined to manage risk, including ensuring staff competence, using locating devices to identify buried services, maintaining emergency procedures, and taking immediate action if a strike occurs. Maintaining proper documentation of underground plans, pre-work checks, and incident details is important for insurers to assess liability for damage claims from service providers.
This document provides a summary of various insurance-related topics, including storm surge coverage, new legislation to protect small businesses, fire protection systems for servers, scam defences, coverage for unoccupied buildings, and risks associated with the augmented reality game Pokémon Go. It notes that storm surge damage may not be covered by many policies and discusses new laws protecting small businesses from unfair contract terms. It also provides tips on fire suppression systems, defending against scams, insuring renovations and unoccupied properties, and warns of real-world legal and safety risks associated with Pokémon Go gameplay.
Companies involved in the maritime industry have experienced the possibilities and efficiencies technology provides in an increasingly digitised, interconnected world. With that opportunity comes challenge, in the form of cyber risk.
Managing industrial facilities requires balancing safety, productivity, and compliance. Facility managers must oversee complex safety systems while facing resource constraints. This document provides four tips for industrial managers: 1) Choose an experienced fire protection contractor to design and install safety systems to ensure proper installation and compliance. 2) Engage a licensed service provider with certified personnel to properly test, inspect, and maintain safety systems. 3) Use a dedicated fire safety control system rather than production control systems to ensure components work as required and testing does not disrupt operations. 4) Partner with an experienced provider to gain expertise in system design, installation, and maintenance in order to strengthen safety programs.
This document is a report submitted by Swapnil S. Jagtap to the University of Pune for their Master's degree in Computer Engineering. The report discusses information and cyber warfare, including definitions, characteristics of cyber attacks, and ways attackers can gain access to information systems. It covers topics such as understanding cyber threats, why businesses need cyber security, getting the basics of cyber security right, assessing risks to businesses, and how to manage those risks through planning, implementation, and review.
This document discusses physical security principles and guidelines for securing facilities. It covers conducting a security survey to identify assets, threats, and vulnerabilities. Key areas of focus include access control, perimeter security, natural surveillance, interior security systems, utility protection, and responding to security incidents. The goal is to implement layered security controls to deter, detect, delay and respond to threats in a cost-effective manner balancing security needs with user convenience.
1. All businesses face a wide range of risks
every day. Careful planning can either
reduce these risks to an acceptable level or
eliminate them completely.
While insuring some of these risks is essential,
it should be seen as no more than a back-up
to an on-going ‘risk management’ process.
This briefing tells you:
• What risk prevention you are required to
carry out by law.
• The most common causes of loss or
damage, and how to prevent them.
• How to identify the risks your business
faces.
• How taking preventative action will affect
your insurance policies.
1 Legal requirements
Risk management is not just good business
practice. In many cases, it is also a legal
requirement.
1.1 Health and Safety legislation requires
you to carry out a risk assessment of your
business.
You must ensure the health and safety of all
employees and visitors to your premises.
1.2 Taking precautions to prevent injury to
employees is a legal requirement.
All businesses must have employers’ liability
insurance (except those only employing
close family or where the owner is the
only employee) to compensate employees
who are injured or suffer illnesses through
working for them.
• If you fail to ensure employees are
adequately insured, you could face criminal
proceedings.
1.3 Fire regulations require you to carry out a
risk assessment and, in certain instances,
to have an inspection and certificate from a
fire prevention officer.
1.4 Employment law requires you to follow set
procedures when recruiting, promoting or
dismissing employees.
1.5 The Companies Act puts responsibilities
on directors of a limited company to protect
the assets of the business.
Your insurance company will expect you to
meet these legal obligations.
Managing
insurance
risks
Directors’ Briefing
England Reviewed 01/04/12
Insurance
2. 2 Premises
Some of the most obvious risks are housed
within in a business’ premises.
2.1 The main risks to business premises are
from fire, water damage, malicious damage
and weather-related damage.
• Electrical faults are a common cause of
fires. Ensure that all electrical items and
wiring are checked regularly, in line with the
Electricity at Work regulations.
• Arson is also a frequent cause. Remove
combustible waste, and control access to
vulnerable areas (eg warehouses).
• Water damage is mainly caused by burst
pipes and leaks from water tanks.
Carry out regular inspections, maintenance
and repairs.
• Glass is a favourite target for vandals.
Glass windows and doors can be made of
toughened glass or protected with grilles or
bars, but check you do not require planning
permission to install them.
• Flooding and structural damage to your
premises can be caused by severe weather.
Make sure gutters and drains are cleared
and that roofs are kept in good repair. Find
out if your premises are located in a flood
risk area and sign up for local flood watch
warnings. Find tips on minimising flood
damage and how to draw up a flood action
plan on the Environment Agency website
(www.environment-agency.gov.uk).
2.2 Improve security systems and procedures.
• Burglar alarms are a good visible deterrent.
For reliability, they should comply with
British Standard 4737-3.0:1988.
The company installing and maintaining
them should be approved by the National
Security Inspectorate (NSI, 01628 637 512;
www.nsi.org.uk). Insurers will also consider
alarms approved by the Security Systems
and Alarms Inspection Board (SSAIB, 0191
296 3242; www.ssaib.co.uk). Look for
alarms using Redcare signalling.
• Ensure burglar alarm codes and keys are
only available to authorised persons.
• Ensure all telephone line faults are dealt
with immediately. The fault could have been
caused by a burglar (to disconnect your
alarm from the security call centre).
• Make sure all visitors identify themselves
and state who they are visiting.
• Appoint a person to check the premises
are secure at the end of each working day.
2.3 A professional approach to managing your
premises will prevent many problems.
• Draw up a list of items which need regular
inspection and maintenance.
For example, roofs, pipes, tanks and
stopcocks are all potential sources of leaks.
• If your premises are liable to flood, keep
your stock above ground level.
• Ask your local fire prevention officer and
crime prevention officer for advice.
Smoke detectors, fire alarms, extinguishers
and sprinklers are vital to alert people to
danger and to prevent fires from spreading.
If you are a tenant, ensure that your landlord
is taking sensible precautions.
2.4 Improve safety practices.
• Lock away hazardous and flammable
substances in secure storage.
• Smoking is banned in almost all enclosed
public spaces and workplaces in England.
Ensure your smoking policy is rigorously
enforced.
• Undertake regular fire drills, so that all
employees are aware of the procedures.
Keep a log of the timings and results.
3 Equipment
3.1 Computers represent a major risk for most
businesses.
• Back up all computer data regularly, daily if
possible. Store back-ups off-site.
• Consider installing a back-up or duplicate
system. If one computer fails, you can
switch to another without loss of data.
• Install an ‘uninterruptible power supply’,
(or, at least, surge protectors). Otherwise,
fluctuations or cuts in the power supply can
cause loss of data. You may also want to
consider getting lightning protection.
• Ban employees from installing software or
importing data (eg from a disk) until it has
been virus-checked. Computer viruses can
wipe out your entire system.
• Protect internet connections with a firewall.
Keep your anti-virus software and spyware
up to date.
3.2 Any capital assets you use to provide or
manufacture your product or service should
be regularly checked to ensure that they
are in full working order.
For example, manufacturing businesses
should ensure all parts of their production
lines are functioning correctly and at their
maximum efficiency.
• Equipment failure can mean late delivery,
lost orders and cashflow problems.
Directors’ Briefing 2
3. 4 Employees
4.1 The severe impact of the death or illness of
a key employee can be insured against.
• Reduce the risk with regular medical
checks for key employees.
• Train replacement staff to take over key
jobs in the event of illness.
5 Theft and fraud
Many kinds of theft can be prevented by
securing your premises. Other threats come
from within your organisation and can easily be
overlooked.
5.1 Favourite targets for thieves include
cash, spirits, clothing, electrical products,
cigarettes and computer equipment.
• Indelibly mark all equipment with the
company name.
• Some equipment, including computers, can
be cabled to desks or bolted down.
Your insurance policy may insist on this
precaution.
5.2 Theft by employees can add up to large
amounts of money.
• Vet all new employees, especially those
who handle money or have access to
computer systems.
A simple honesty check is to find out
whether new employees actually have all
the qualifications they claim to have.
• Petty theft is a common problem.
Allow only named individuals to order
equipment or stationery.
5.3 Collaboration with other organisations can
help prevent theft.
• Trade associations and retailer groups often
share information on recent thefts.
For example, a shop can alert others in its
area to gangs of shoplifters.
• Crime prevention officers can alert you to
particular risks facing your business.
5.4 The symptoms of fraud can be undetected
until it is too late.
• Set up systems to double-check all
invoices and expenses.
Employees may submit false expenses
claims, inflate invoices from suppliers or set
up fictitious supplier accounts.
5.5 Theft of intellectual property can be even
more damaging than fraud.
At times, it is impossible to detect. A
competitor may get hold of the information
without you even knowing.
• Patenting ideas may be too costly for
smaller firms, so taking preventative
measures is often the best option.
• Restrict access to sensitive information by
encrypting computer files. Keep passwords
secret and change them regularly.
• Consider taking out legal expenses
insurance to help fund any legal battles to
defend your rights.
Step-by-step
Use a methodical step-by-step process to
identify risks and decide what action to take.
A Identify your key business processes.
• For example, a printing firm receives
information by email, lays out the text
using a computer, does the print run,
then delivers the publication.
B Identify the key elements that make the
business processes possible.
• For example, a printing firm needs
premises, computers, printing presses, a
delivery van and a team of employees.
C Identify any strategic threats that may
be worth insuring against.
• For example, litigation is a serious risk
for most printing firms, as late delivery of
a publication can be disastrous for the
customer concerned.
D Run through a list of common risks.
Check you have not overlooked
anything.
E Isolate the most likely causes of the
risks in B–D above. Then take action to
eliminate or reduce the risk in each case.
• For example, a printing firm should have
fail-safe computer back-up procedures
and should take legal advice on how to
avoid being sued.
F Decide which risks are worth insuring
against.
• For example, a printing firm may decide
to insure the premises, the computers
and the key computer operators.
Directors’ Briefing 3