The risk to water supply and quality is increasing along with the rapid growth in both public and private demand for its use. Severe weather events such as storms and flooding combined with aging infrastructure, faulty handling of waste, and inadequate system design among other factors contribute to increased liability exposure for insurers.
This document provides an overview of scenario planning as an approach to managing uncertainty in resource planning. Scenario planning explores a range of possible futures rather than predicting a single most likely outcome. It identifies key uncertainties that could significantly impact the future and develops narrative scenarios around different combinations of outcomes for those uncertainties. This allows decision-makers to identify actions that are robust across multiple scenarios. The document uses examples from water resource planning to illustrate how scenario planning can structured around key issues, uncertainties, and potential future scenarios. It emphasizes that the goal is not predicting the future but rather enhancing flexibility and strategic preparedness.
This webinar – co-hosted by WRI and CDP – takes a close look at how companies can use Aqueduct and respond to the 2013 CDP Water Questionnaire. The webinar explains step by step the Aqueduct tool functionalities and data input requirements, as well as an overview of how to interpret the results and respond to the CDP Water Disclosure 2013 Information Request. For more information visit http://www.wri.org/event/2013/05/webinar-aqueduct-corporate-water-disclosure
Inspire, enable, finance and scale. This World Water Week 2016 presentation looks at leading cases and opportunities available to cities in Latin America and the Caribbean to implement water management that protects, restores and mimics the natural water cycle.
Lessons from Case Studies in Water Footprint for South African CompaniesKate Laing
Presentation at a Water Research Council (WRC) Water Currents Series sharing insights gained from water footprint analysis on selected case studies among South African corporates.
Global water risks have greater and more widespread impacts as demonstrated by events like the Deepwater Horizon spill. We need collective action and relevant water risk information from companies to effectively manage global water risk. CDP seeks water disclosure from over 400 large global companies on behalf of 354 institutional investors representing $43 trillion in assets. Their 2010 findings show that while water issues are a current concern, many companies lack awareness of risks in their supply chains. However, water issues also present opportunities for companies. Canadian companies are increasingly engaging on water, though responses vary in sophistication. CDP water disclosure can help companies and investors improve their measurement and management of water issues.
Water risks are increasingly driving conflict and instability around the world. Solutions to water conflicts exist, but we need the political will to make them happen.
Etude PwC "Collaboration: Preserving water through partnering that works" (av...PwC France
Dans sa dernière étude portant sur l’enjeu de l’eau pour les entreprises « Collaboration: Preserving water through partnering that works », le cabinet d’audit et de conseil PwC analyse les risques hydriques auxquels doivent faire face les entreprises et émet des recommandations pour s’en prémunir. Les entreprises doivent collaborer avec leurs parties prenantes – collectivités locales, industriels, agriculteurs, fournisseurs d’énergie, citoyens – pour assurer un partage équitable de la ressource en eau.
Kieron Stanley (Environment Agency) Mapping For Sustainable Communities 170608Muki Haklay
The document discusses environmental inequalities and cumulative impacts. It notes that the most deprived communities are more likely to experience flooding, live in areas with worse river water quality, and be exposed to air pollution. Deprived areas also tend to be located closer to waste management sites and experience greater health effects from heat waves and lack of green space. The document calls for developing a better understanding of cumulative impacts from multiple environmental hazards over time. It advocates for collaborative, community-engaged approaches and considering procedural justice and vulnerability when analyzing environmental risks and resilience.
This document provides an overview of scenario planning as an approach to managing uncertainty in resource planning. Scenario planning explores a range of possible futures rather than predicting a single most likely outcome. It identifies key uncertainties that could significantly impact the future and develops narrative scenarios around different combinations of outcomes for those uncertainties. This allows decision-makers to identify actions that are robust across multiple scenarios. The document uses examples from water resource planning to illustrate how scenario planning can structured around key issues, uncertainties, and potential future scenarios. It emphasizes that the goal is not predicting the future but rather enhancing flexibility and strategic preparedness.
This webinar – co-hosted by WRI and CDP – takes a close look at how companies can use Aqueduct and respond to the 2013 CDP Water Questionnaire. The webinar explains step by step the Aqueduct tool functionalities and data input requirements, as well as an overview of how to interpret the results and respond to the CDP Water Disclosure 2013 Information Request. For more information visit http://www.wri.org/event/2013/05/webinar-aqueduct-corporate-water-disclosure
Inspire, enable, finance and scale. This World Water Week 2016 presentation looks at leading cases and opportunities available to cities in Latin America and the Caribbean to implement water management that protects, restores and mimics the natural water cycle.
Lessons from Case Studies in Water Footprint for South African CompaniesKate Laing
Presentation at a Water Research Council (WRC) Water Currents Series sharing insights gained from water footprint analysis on selected case studies among South African corporates.
Global water risks have greater and more widespread impacts as demonstrated by events like the Deepwater Horizon spill. We need collective action and relevant water risk information from companies to effectively manage global water risk. CDP seeks water disclosure from over 400 large global companies on behalf of 354 institutional investors representing $43 trillion in assets. Their 2010 findings show that while water issues are a current concern, many companies lack awareness of risks in their supply chains. However, water issues also present opportunities for companies. Canadian companies are increasingly engaging on water, though responses vary in sophistication. CDP water disclosure can help companies and investors improve their measurement and management of water issues.
Water risks are increasingly driving conflict and instability around the world. Solutions to water conflicts exist, but we need the political will to make them happen.
Etude PwC "Collaboration: Preserving water through partnering that works" (av...PwC France
Dans sa dernière étude portant sur l’enjeu de l’eau pour les entreprises « Collaboration: Preserving water through partnering that works », le cabinet d’audit et de conseil PwC analyse les risques hydriques auxquels doivent faire face les entreprises et émet des recommandations pour s’en prémunir. Les entreprises doivent collaborer avec leurs parties prenantes – collectivités locales, industriels, agriculteurs, fournisseurs d’énergie, citoyens – pour assurer un partage équitable de la ressource en eau.
Kieron Stanley (Environment Agency) Mapping For Sustainable Communities 170608Muki Haklay
The document discusses environmental inequalities and cumulative impacts. It notes that the most deprived communities are more likely to experience flooding, live in areas with worse river water quality, and be exposed to air pollution. Deprived areas also tend to be located closer to waste management sites and experience greater health effects from heat waves and lack of green space. The document calls for developing a better understanding of cumulative impacts from multiple environmental hazards over time. It advocates for collaborative, community-engaged approaches and considering procedural justice and vulnerability when analyzing environmental risks and resilience.
Investigating City Commitments to 100% Renewable EnergyTony G. Reames
A number of United States (U.S.) cities are proposing and implementing bold sustainable solutions in order to combat
the social, environmental, and economic impacts of climate change. Cities of all sizes around the country are taking
control by pledging to reach community-wide goals of 100% renewable energy. However, many of these cities are
unsure of how to meet these commitments. Although the renewable energy potential throughout the U.S. is strong,
cities are facing other types of challenges that are hindering their ability to progress swiftly to meet the commitment.
Rapid degradation of peri-urban ecosystems is resulting in a loss of associated ecosystem services. Water provision, storm-and waste-water regulation, along with protection from natural disasters and erosion, are the impacted services that most acutely affect poor or vulnerable populations. The poor may be disproportionately impacted by loss of ecosystem services due to lack of political power around land use decision making and limited alternatives for livelihoods, housing, or basic services. Vulnerability extends to urban populations that depend on the ecosystem services provided by or flowing through peri-urban areas. Often, the loss of ecosystems is irreversible and the replacement of associated services is costly, if even possible.
Executive Summary - Water Stewardship in Africa Frontier Shared ValueDan Mitler, M.S.
Water stewardship presents opportunities for shared value creation between businesses and society. Investing in water infrastructure can generate both business value through risk mitigation and cost savings, as well as societal value through access to clean water, sanitation, and ecosystem protections. Africa is a promising region for water stewardship given high population growth, economic development, and significant water challenges. Tools can help prioritize investments that maximize both social and business value, such as WASH programs, watershed conservation, and sustainable agriculture projects in high-need countries. Overall, water stewardship is an impactful way for companies to address risks while creating benefits for people and the environment.
Household Water Security in Metropolitan Detroit: Measuring the Affordability...Tony G. Reames
This document summarizes a study on water affordability for low-income residents in the Detroit metropolitan region. The study found that water is unaffordable for many, with average households paying 10% of their income on water bills compared to the recommended 4.5%. Lower income households pay over 13% of income on water. Assistance programs help but do not fully close the affordability gap of $45.08 per month. Many residents cut back on other essentials to pay water bills and have accumulated debt. The conclusions are that water is a regional affordability issue, assistance does not reach all in need, and affordability gaps remain even for those receiving assistance.
Integrated water resource management (IWRM) takes a holistic view of water management by considering all aspects of the water cycle and different water uses together rather than separately. IWRM aims to coordinate development and management of water resources, land, and other related resources to maximize economic and social welfare in an equitable manner without compromising sustainability. Key principles of IWRM include participatory approaches involving stakeholders at all levels, recognizing women's role in water management, and balancing water's economic value with its social importance. While IWRM provides an integrated framework, it must be adapted to each local context and finding the right balance between sectoral and integrated approaches.
Brown bag impact measurement stakeholder engagement in the water program ma...Oxfam America
The document summarizes a brown bag session on impact measurement and stakeholder engagement for a water rights program in Ethiopia. It provides an overview of the program goals and theory of change, describes a stakeholder consultation workshop to get input on impact indicators and roles, and discusses next steps around developing an impact measurement framework with stakeholder input.
Embracing Water Supply Sustainability - Advocating for reuse in our water sup...The Texas Network, LLC
This document discusses advocating for increased water reuse to help address water supply challenges from population growth, drought, and other factors. It summarizes the different types of water reuse (indirect and direct potable reuse). It also outlines the research and advocacy efforts of the WateReuse organization to study treatment technologies, address regulatory concerns, and gain public acceptance of potable water reuse. Their research aims to demonstrate the safety, reliability and feasibility of potable water reuse to help ensure sustainable water supplies.
SWRC scenario planning an introduction 2018swr-consulting
This document describes an approach to scenario planning for managing resource uncertainty. Scenario planning explores multiple possible futures rather than predicting a single outcome. It identifies key uncertainties and helps organizations prepare flexible actions. The document provides examples of scenario planning processes conducted for water resources in Colorado and Arizona. It outlines steps like identifying driving forces, prioritizing uncertainties, defining future scenarios, assessing implications, and identifying preparedness actions. The goal is not predicting the future but enhancing resilience and strategic preparedness.
The document discusses the Alliance for Water Stewardship's (AWS) efforts to establish a credible mechanism for companies to respond to water risks through a global water stewardship program centered around an international water stewardship standard developed via multi-stakeholder engagement and piloting to recognize organizations that minimize impacts on watersheds.
This document discusses water security and provides guidance on operationalizing the concept. It defines water security as ensuring adequate and reliable water resources, mitigating risks like floods and droughts, and avoiding conflicts. Water security has economic, social, and environmental dimensions. The document recommends quantifying water security by selecting relevant indicators for key dimensions and determining actions and impacts. It provides an example framework that users can adapt to assess the current situation and potential measures to improve water security over time.
The CEO Water Mandate is a UN Global Compact initiative launched in 2007 to encourage businesses to address water stewardship. It provides a framework to guide companies in improving practices across direct operations, supply chains, watershed management, public policy engagement, and community outreach. The Mandate also promotes collective action among companies and other stakeholders to help solve shared water challenges. Key elements in planning collective action include scoping issues, identifying participants, selecting engagement levels, designing initiatives, and managing programs over time.
CBA 7 Mainstreaming DRR into Local Development Planning.
Ronilda Co, DRR and Community Resilience Specialist
World Vision Asia Pacific Region
CBA7, Dhaka Bangladesh
21-25 April 2013
This presentation on how to use data to affect policy was given by Keith Dimoff, Executive Director of the Ohio Environmental Council, at the OEC's 2009 Clean Water Conference on Oct 2 and 3.
The water and wastewater infrastructure in the United States faces serious challenges and is in need of significant investment and innovation. Current systems are outdated, inefficient, and fail to utilize resources like water and energy. This presents opportunities for more sustainable solutions that optimize water usage, reduce costs, and generate value from waste products. New decentralized and natural treatment approaches are gaining ground and have the potential to transform the industry. The addressable market for sustainable water solutions in the US is estimated to grow from $4 billion currently to over $15 billion by 2020.
This document provides an executive summary of the report "Charting Our Water Future" which was created by the 2030 Water Resources Group to analyze solutions to increasing water scarcity. The group consisted of private companies and organizations who worked with experts to develop frameworks to inform decision-making. The report found that by 2030, over a third of the world's population will live in areas facing water stress, and that current rates of increasing supply and efficiency will not meet rising demand. However, the report also finds that through measures like improving agricultural efficiency, augmenting supply, and reducing water intensity in economies, water needs can potentially be met at an affordable cost even in rapidly developing areas.
LASaves is an online platform and text/email alert system designed to increase water conservation in Southern California through improved citizen awareness and engagement. It will provide consumers access to their water usage data compared to neighborhood averages and tips to reduce usage. The program aims to educate residents on the drought crisis and incentivize behavioral changes to save water and costs. A pilot with the San Gabriel Valley Water District will test using web/text tools to notify customers about exceeding usage thresholds. If successful, it could save millions of gallons of water and dollars while establishing a long-term conservation culture.
Rural Climate Dialogues: Developing a Citizen-Based Response nado-web
The document summarizes the Rural Climate Dialogues project, which aims to engage rural communities in deliberations about climate change impacts and solutions. The project facilitates Citizens' Juries in rural communities to identify key climate challenges and opportunities. It describes the process used, including pre-jury stakeholder engagement, a 3-day jury with expert presentations and deliberations, and post-jury coordination of recommendations. It summarizes pilot projects in Morris, MN, Grand Rapids, MN, and Winona, MN, outlining the top concerns, opportunities, and actions identified by each community. It also provides examples of follow-up actions and outcomes in the communities.
Most communities base water connection charges solely on water meter size, which fails to correlate strongly with actual water use. A few communities use multi-factor connection charges that consider lot size, landscaping type, and fixture efficiency to better allocate costs proportionate to predicted water demand. Case studies in Colorado highlight how these charges can incentivize more water-efficient development and avoid infrastructure costs. The report recommends utilities consider refined, multi-factor connection charges to encourage water conservation and development equity.
The memorandum recommends accepting nutrient trading as part of the Chesapeake Bay TMDL implementation plan. Nutrient trading allows polluters to buy and sell credits, providing economic incentives for compliance. While some criticize trading due to uncertainties, the EPA argues trading can help meet water quality goals more cost-effectively if carefully monitored and regulated. The memorandum concludes trading should be encouraged along with command-and-control policies to efficiently restore the Bay by 2025 as required by the TMDL.
This document summarizes a webinar on hydraulic fracking and insurance. It begins with introductions and an agenda. It then provides background on fracking, including the process, risks to water, air, and land. It discusses stakeholders, industry collaboration efforts, and insurance implications. Key insurance issues include potential claims from homeowners, energy companies, workers and more related to water contamination, earthquakes, air pollution and other risks. The document examines insurance precedents and guidelines related to fracking coverage.
Playing with Climate Change S.Law - CNIE Conference 2008sklaw
This document discusses the design of an educational alternate reality game (ARG) set in Second Life to teach about climate change. The game aims to immerse players through collaborative activities like investigating climate impacts, attending town hall meetings, and presenting findings. It will have biology, geoscience and other player streams involving tasks like researching biosequestration or water levels. Feedback will be used to refine the game design and assess how communities of inquiry and different fidelity levels impact the learning experience.
Investigating City Commitments to 100% Renewable EnergyTony G. Reames
A number of United States (U.S.) cities are proposing and implementing bold sustainable solutions in order to combat
the social, environmental, and economic impacts of climate change. Cities of all sizes around the country are taking
control by pledging to reach community-wide goals of 100% renewable energy. However, many of these cities are
unsure of how to meet these commitments. Although the renewable energy potential throughout the U.S. is strong,
cities are facing other types of challenges that are hindering their ability to progress swiftly to meet the commitment.
Rapid degradation of peri-urban ecosystems is resulting in a loss of associated ecosystem services. Water provision, storm-and waste-water regulation, along with protection from natural disasters and erosion, are the impacted services that most acutely affect poor or vulnerable populations. The poor may be disproportionately impacted by loss of ecosystem services due to lack of political power around land use decision making and limited alternatives for livelihoods, housing, or basic services. Vulnerability extends to urban populations that depend on the ecosystem services provided by or flowing through peri-urban areas. Often, the loss of ecosystems is irreversible and the replacement of associated services is costly, if even possible.
Executive Summary - Water Stewardship in Africa Frontier Shared ValueDan Mitler, M.S.
Water stewardship presents opportunities for shared value creation between businesses and society. Investing in water infrastructure can generate both business value through risk mitigation and cost savings, as well as societal value through access to clean water, sanitation, and ecosystem protections. Africa is a promising region for water stewardship given high population growth, economic development, and significant water challenges. Tools can help prioritize investments that maximize both social and business value, such as WASH programs, watershed conservation, and sustainable agriculture projects in high-need countries. Overall, water stewardship is an impactful way for companies to address risks while creating benefits for people and the environment.
Household Water Security in Metropolitan Detroit: Measuring the Affordability...Tony G. Reames
This document summarizes a study on water affordability for low-income residents in the Detroit metropolitan region. The study found that water is unaffordable for many, with average households paying 10% of their income on water bills compared to the recommended 4.5%. Lower income households pay over 13% of income on water. Assistance programs help but do not fully close the affordability gap of $45.08 per month. Many residents cut back on other essentials to pay water bills and have accumulated debt. The conclusions are that water is a regional affordability issue, assistance does not reach all in need, and affordability gaps remain even for those receiving assistance.
Integrated water resource management (IWRM) takes a holistic view of water management by considering all aspects of the water cycle and different water uses together rather than separately. IWRM aims to coordinate development and management of water resources, land, and other related resources to maximize economic and social welfare in an equitable manner without compromising sustainability. Key principles of IWRM include participatory approaches involving stakeholders at all levels, recognizing women's role in water management, and balancing water's economic value with its social importance. While IWRM provides an integrated framework, it must be adapted to each local context and finding the right balance between sectoral and integrated approaches.
Brown bag impact measurement stakeholder engagement in the water program ma...Oxfam America
The document summarizes a brown bag session on impact measurement and stakeholder engagement for a water rights program in Ethiopia. It provides an overview of the program goals and theory of change, describes a stakeholder consultation workshop to get input on impact indicators and roles, and discusses next steps around developing an impact measurement framework with stakeholder input.
Embracing Water Supply Sustainability - Advocating for reuse in our water sup...The Texas Network, LLC
This document discusses advocating for increased water reuse to help address water supply challenges from population growth, drought, and other factors. It summarizes the different types of water reuse (indirect and direct potable reuse). It also outlines the research and advocacy efforts of the WateReuse organization to study treatment technologies, address regulatory concerns, and gain public acceptance of potable water reuse. Their research aims to demonstrate the safety, reliability and feasibility of potable water reuse to help ensure sustainable water supplies.
SWRC scenario planning an introduction 2018swr-consulting
This document describes an approach to scenario planning for managing resource uncertainty. Scenario planning explores multiple possible futures rather than predicting a single outcome. It identifies key uncertainties and helps organizations prepare flexible actions. The document provides examples of scenario planning processes conducted for water resources in Colorado and Arizona. It outlines steps like identifying driving forces, prioritizing uncertainties, defining future scenarios, assessing implications, and identifying preparedness actions. The goal is not predicting the future but enhancing resilience and strategic preparedness.
The document discusses the Alliance for Water Stewardship's (AWS) efforts to establish a credible mechanism for companies to respond to water risks through a global water stewardship program centered around an international water stewardship standard developed via multi-stakeholder engagement and piloting to recognize organizations that minimize impacts on watersheds.
This document discusses water security and provides guidance on operationalizing the concept. It defines water security as ensuring adequate and reliable water resources, mitigating risks like floods and droughts, and avoiding conflicts. Water security has economic, social, and environmental dimensions. The document recommends quantifying water security by selecting relevant indicators for key dimensions and determining actions and impacts. It provides an example framework that users can adapt to assess the current situation and potential measures to improve water security over time.
The CEO Water Mandate is a UN Global Compact initiative launched in 2007 to encourage businesses to address water stewardship. It provides a framework to guide companies in improving practices across direct operations, supply chains, watershed management, public policy engagement, and community outreach. The Mandate also promotes collective action among companies and other stakeholders to help solve shared water challenges. Key elements in planning collective action include scoping issues, identifying participants, selecting engagement levels, designing initiatives, and managing programs over time.
CBA 7 Mainstreaming DRR into Local Development Planning.
Ronilda Co, DRR and Community Resilience Specialist
World Vision Asia Pacific Region
CBA7, Dhaka Bangladesh
21-25 April 2013
This presentation on how to use data to affect policy was given by Keith Dimoff, Executive Director of the Ohio Environmental Council, at the OEC's 2009 Clean Water Conference on Oct 2 and 3.
The water and wastewater infrastructure in the United States faces serious challenges and is in need of significant investment and innovation. Current systems are outdated, inefficient, and fail to utilize resources like water and energy. This presents opportunities for more sustainable solutions that optimize water usage, reduce costs, and generate value from waste products. New decentralized and natural treatment approaches are gaining ground and have the potential to transform the industry. The addressable market for sustainable water solutions in the US is estimated to grow from $4 billion currently to over $15 billion by 2020.
This document provides an executive summary of the report "Charting Our Water Future" which was created by the 2030 Water Resources Group to analyze solutions to increasing water scarcity. The group consisted of private companies and organizations who worked with experts to develop frameworks to inform decision-making. The report found that by 2030, over a third of the world's population will live in areas facing water stress, and that current rates of increasing supply and efficiency will not meet rising demand. However, the report also finds that through measures like improving agricultural efficiency, augmenting supply, and reducing water intensity in economies, water needs can potentially be met at an affordable cost even in rapidly developing areas.
LASaves is an online platform and text/email alert system designed to increase water conservation in Southern California through improved citizen awareness and engagement. It will provide consumers access to their water usage data compared to neighborhood averages and tips to reduce usage. The program aims to educate residents on the drought crisis and incentivize behavioral changes to save water and costs. A pilot with the San Gabriel Valley Water District will test using web/text tools to notify customers about exceeding usage thresholds. If successful, it could save millions of gallons of water and dollars while establishing a long-term conservation culture.
Rural Climate Dialogues: Developing a Citizen-Based Response nado-web
The document summarizes the Rural Climate Dialogues project, which aims to engage rural communities in deliberations about climate change impacts and solutions. The project facilitates Citizens' Juries in rural communities to identify key climate challenges and opportunities. It describes the process used, including pre-jury stakeholder engagement, a 3-day jury with expert presentations and deliberations, and post-jury coordination of recommendations. It summarizes pilot projects in Morris, MN, Grand Rapids, MN, and Winona, MN, outlining the top concerns, opportunities, and actions identified by each community. It also provides examples of follow-up actions and outcomes in the communities.
Most communities base water connection charges solely on water meter size, which fails to correlate strongly with actual water use. A few communities use multi-factor connection charges that consider lot size, landscaping type, and fixture efficiency to better allocate costs proportionate to predicted water demand. Case studies in Colorado highlight how these charges can incentivize more water-efficient development and avoid infrastructure costs. The report recommends utilities consider refined, multi-factor connection charges to encourage water conservation and development equity.
The memorandum recommends accepting nutrient trading as part of the Chesapeake Bay TMDL implementation plan. Nutrient trading allows polluters to buy and sell credits, providing economic incentives for compliance. While some criticize trading due to uncertainties, the EPA argues trading can help meet water quality goals more cost-effectively if carefully monitored and regulated. The memorandum concludes trading should be encouraged along with command-and-control policies to efficiently restore the Bay by 2025 as required by the TMDL.
This document summarizes a webinar on hydraulic fracking and insurance. It begins with introductions and an agenda. It then provides background on fracking, including the process, risks to water, air, and land. It discusses stakeholders, industry collaboration efforts, and insurance implications. Key insurance issues include potential claims from homeowners, energy companies, workers and more related to water contamination, earthquakes, air pollution and other risks. The document examines insurance precedents and guidelines related to fracking coverage.
Playing with Climate Change S.Law - CNIE Conference 2008sklaw
This document discusses the design of an educational alternate reality game (ARG) set in Second Life to teach about climate change. The game aims to immerse players through collaborative activities like investigating climate impacts, attending town hall meetings, and presenting findings. It will have biology, geoscience and other player streams involving tasks like researching biosequestration or water levels. Feedback will be used to refine the game design and assess how communities of inquiry and different fidelity levels impact the learning experience.
Kent State Ashtabula AITP - Exploring IT and Intro to PowerShellSarah Dutkiewicz
This document provides an overview of various IT environments and introduces PowerShell. It begins with the presenter's background in IT and computer science. It then discusses different roles in IT and industries where IT is used. Specific examples of IT environments at an educational institution, Internet service provider, and manufacturing company are explored. Finally, it provides an introduction to PowerShell, including what it is, who can benefit from it, examples of tasks it can automate, and resources for learning more.
The document provides a single piece of information - the name of a street on line 15. In just 3 words, it states the name of the street mentioned in the document.
Python is a dynamic, object-oriented programming language that can be used for many types of software development. It has strong support for integration with other languages and tools, extensive standard libraries, and can be learned quickly. Python plays a key role in production pipelines and workflows due to its productivity, clear code, strong libraries, and integration capabilities. It is widely used at companies like Google and in applications like web frameworks.
Windows PowerShell 3.0 includes many new and improved features such as easier syntax, better performance, more robustness, and expanded capabilities. Key enhancements include improved Where and Foreach syntax, support for .NET Framework 4.0, enhanced session management using disconnected sessions, updatable online help, integration with Task Scheduler for scheduled jobs, and improved module functionality. The Windows PowerShell ISE also contains new features like code snippets, a console pane, and help window.
In between the obvious risks from crop failures and livestock epidemics, and food contamination at the retail level, are food security issues and risks that run through the entire food supply chain. Because there are so many interconnected threads in food security, it is important for insurers to have a grasp of the entire picture.
This document discusses the importance of privacy in digital currencies. It outlines several solutions that provide privacy such as tumblers, CoinJoin, and Cryptonote currencies like Monero and Bytecoin. However, all existing solutions still have weaknesses that could undermine user privacy. The key takeaways are that privacy is important for adoption but remains an unsolved challenge, and one should be aware of potential identity leaks when using digital currencies.
The document summarizes recent developments regarding cryptocurrencies in 2014. It mentions that the IRS ruled that virtual currencies like Bitcoin should be treated as property for tax purposes. It also discusses China possibly outlawing cryptocurrency exchanges and the impact of the Heartbleed bug on Bitcoin exchanges and users. Global Bitcoin mining income is reported to have declined that year.
This document contains information about WordPress resources and tutorials for installing WordPress locally. It lists the email of Sarah from CLE Tech Consulting, popular WordPress plugins, and resources like the WordPress Codex and forums. It also provides links to tutorials for installing LAMP and LEMP stacks on Ubuntu, and installing WordPress with Nginx on Ubuntu. A link for installing WordPress using WAMPServer on your computer is also included.
2014-05-07 The opportunity in crypto currenciesMichi Kono
This document discusses different perspectives on cryptocurrencies and their potential. It defines three views - "Tulip Mania 2.0", seeing cryptocurrency as a speculative bubble; "PayPal 2.0", viewing it as replacing some traditional payment methods for niche uses; and "Money 2.0", believing it could replace most fiat currency. It also examines challenges to widespread adoption like competing technologies, lack of government acceptance, and complexity that limits mainstream use. Overall the document considers a range of opinions on cryptocurrency's future and the steps needed for broader adoption.
The document discusses debugging tools in web browsers. It provides an agenda that covers problems that need debugging like JavaScript errors, resource loading, alignment/CSS issues, and supporting multiple platforms. It then discusses the built-in developer tools in browsers like Chrome, Safari, Firefox, Internet Explorer, and Opera and demonstrates some of their features. It also mentions tools for testing cross-browser compatibility like BrowserShots and Spoon. Finally, it lists some useful Firefox add-ons and Chrome extensions.
This document introduces several new data types in SQL Server 2008 including date/time types (DATETIME2, DATETIMEOFFSET), hierarchical types (HIERARCHYID), geospatial types (GEOGRAPHY, GEOMETRY), and FILESTREAM for storing files. The date/time types offer improved accuracy over DATETIME. HIERARCHYID allows storage of hierarchical data. The geospatial types support location data on a round earth or planar surface. FILESTREAM stores files in the file system for faster access than BLOBs.
Pre-Calculus Math Modules - CNIE Conference 2008sklaw
This document discusses a project to create short, standalone online math learning modules to help improve completion rates in first-year calculus courses. It describes designing the modules for adult learners based on research showing shorter, more modularized content increases persistence. Modules were created using Cognitive Tutor Authoring Tools and Flash, with a maximum length of 30 minutes. An example module from Athabasca University demonstrates components like examples, exercises, and assessments to teach concepts in small chunks with feedback.
Given on Tuesday, June 23, 2009 at the Greater Cleveland PC Users Group C#/VB.NET SIG. A very basic intro to Python given to a .NET crowd with the assumption of little to no Python experience.
Sarah Dutkiewicz gave a presentation on HTML5 to Euclid High School students. The presentation covered what HTML5 is, why it is important, both the limitations and capabilities of HTML5, and demonstrated some fun websites that use HTML5 features. The agenda included discussing the bad parts of HTML5 like browser support issues, the good parts like new input types and multimedia, and finally showed examples of sites using HTML5 through demos and screenshots.
Rosemary Bissett (Head of Sustainability, Governance & Risk, Enterprise Risk, National Australia Bank) - Presentation at the United Nations Association of Australia (Victorian Division) Corporate Sustainability Leadership Seminar ‘Corporate Water Valuation: Accounting for Risks and Impacts, Valuing Ecosystem Services’ held on Monday 29 April 2013, in partnership with National Australia Bank.
Held in support of the International Year of Water Cooperation, seminar addressed some of the challenges and opportunities associated with corporate water valuation, as well as local actions and global tools and initiatives in this area. It highlighted some examples of what Australian businesses are doing, alongside government and NGOs, to measure and manage their risks, impacts and dependencies on water.
Guest Speakers & Panelists included:
• Matt Kendall, General Manager, Planning and Evaluation Group, National Water Commission
• Rosemary Bissett, Head of Sustainability, Governance & Risk, Enterprise Risk, National Australia Bank
• Carl Obst, Editor, UN System of Environmental-Economic Accounting (SEEA)
• Jean-Michel Seillier, Regional Manager Victoria, Veolia Water
• Gioia Small, Regional Manager Sustainability and Vintrepreneur, Treasury Wine Estates
• Michael Spencer, Secretary, Water Stewardship Australia and Fellow, Department of Business, Law and Taxation, Monash University
Facilitator:
• Rob Gell, Environmental Entrepreneur, Chairman of UNESCO Western Port Biosphere, and Chair of Wildlife Victoria
More information available at: http://www.unaavictoria.org.au/education-advocacy/masterclasses/corporate-water-valuation-seminar/
Water stewardship: What is the Potential in AsiaOswar Mungkasa
This document discusses water stewardship, particularly in Asia, and the potential role of the private sector. It notes that over 90% of companies agree a water crisis is looming and that water scarcity risks are equal to those of carbon emissions. More than half of the world's largest companies are now affected by water stress. The document outlines reasons for companies to practice water stewardship, including strategic risk reduction, market pressures, and leadership opportunities. It analyzes trends in Asia toward improved water risk mapping, disclosure, and stakeholders paying more attention. The document proposes areas where private sector can contribute, like financing, convening dialogues, clean technology, and advocacy. It presents a framework for water stewardship and calls for partnership rather
NGA Report: State Practices to Protect Drinking Water While Developing Shale ...Marcellus Drilling News
The National Governors Association (NGA) issued a 16-page report in July encouraging governors and their states to adopt policies that encourage a) the use of less drinking water for fracking, and b) the use of more recycling of flowback water in fracking. The report, titled "State Practices to Protect Drinking Water While Developing Shale Energy" (full copy below), is the result of a a 35-member panel that met in March.
The document provides an overview of an integrated assessment being conducted on hydraulic fracturing in Michigan. It includes an agenda, background on the Graham Institute conducting the assessment, key points from technical reports produced, the guiding question and goals of the integrated assessment, participants in the assessment, potential policy topics to be examined, and the timeline for the assessment. The integrated assessment aims to analyze policy options for managing hydraulic fracturing through stakeholder engagement and by building on technical reports addressing topics like technology, environment, health and economics.
The Center for OSH Sustainability was launched in 2012 as a means to show stakeholders how occupational health and safety initiatives support sustainability. The business model defines how risk governane can be applied to identify, assess and evaluate, commmunicate, manage, and control occupational health and safety hazards in the workplace and off-the-job during recreational and sporting activities. The 24/7 approach to safety and health provides a better culture, performance, and productiivty in the lives of workers and their families. The support within the organization is transformed outside the organization so workers return home and back to work safely and healthy.
Epidemiological data and operational information about outbreaks is.pdfakashapparels
Epidemiological data and operational information about outbreaks is dynamic and changes
rapidly. You must develop a comprehensive Event Management System to manage critical
information about an outbreak (of your choice) within the Excel program that you have just
learned. This is one method to ensure accurate and timely communications between key public
health professionals and the community.
Choose from any one of the fields below.
Features of the data management system you create should include:
Solution
Case Management-
Businesses and agencies in long-term relationships with their customers, citizens or subscribers
will be judged by the accuracy of the records they hold, the consistency of the communications
that take place, and the speed, efficiency and fairness with which each case, claim or contract is
processed.
Delivery of customer service against these priorities has never been more challenging.
Customers are more mobile in their addresses, jobs and family relationships. Communications
channels seem to multiply overnight, with customers switching between them at will. Corporate
messaging demands multi-channel distribution with increasing amounts of personalization.
Mergers and acquisitions create multiple silos of customer-related data to be seamlessly joined.
And products, business rules and government regulations change with alarming frequency.
Against this backdrop, the demands on the IT systems to support smooth, efficient and integrated
delivery are considerable, particularly where case-orientated transactions are involved.
Emergency Response-
Environmental emergencies are incidents or events that threaten public safety, health, and
welfare and include hurricanes, floods, wildfires, industrial plant explosions, chemical spills, acts
of terrorism, and others. While these events range in size, location, cause, and effect, most have
an environmental component. Emergency response is the organizing, coordinating, and directing
of available resources in order to respond to the event and bring the emergency under control.
The goal of this coordinated response is to protect public health by minimizing the impact of the
event on the community and the environment.
An emergency response plan must provide the resources and information needed to evaluate the
human and environmental health impacts of the event, assess and reduce human exposures to
contaminants, and develop science-based strategies for remediation and rebuilding. One example
is the immediate response of NIEHS and other government agencies to the devastation and
hardship caused by Hurricane Katrina. This included the establishment of a field hospital in
Mississippi to meet the immediate health needs of the hurricane victims, as well as the
development of a Geographic Information System to plot the locations of chemical plants,
refineries, Superfund clean-up sites, and other potential hot spots of contamination where
flooding occurred.
Safe Drinking Water-
There are many types o.
The Partnership approach & assessing the benefits of catchment management. 12th & 13th September 2016 at the Rougemont Hotel, Exeter. Following the decision to leave the EU the need to come together to tackle the complex environmental problems we face such as diffuse pollution and habitat fragmentation has never been greater. This conference sets out the benefits and drawbacks of partnership working and the effectiveness of dealing with problems at a catchment scale.
The document introduces integrated water resources management (IWRM) as a framework for sustainable water management. It discusses that water is essential but there is a global water crisis due to increasing demand, pollution, and uncoordinated development. IWRM is presented as a solution that takes a holistic, cross-sectoral approach considering social, economic, and environmental interdependencies between different water uses. The key aspects of IWRM include decentralized management structures, greater economic incentives, and broader stakeholder participation.
1) Ecosystem services provide important benefits to water security according to GWP's framework and goals of promoting integrated water resources management.
2) Degradation of ecosystem services poses a challenge to achieving water security and sustainable development goals due to effects on water quantity and quality as well as resilience to climate change.
3) GWP plans to focus on generating and sharing knowledge about the value of ecosystem services, engage policymakers, and strengthen partnerships to advocate for the conservation of ecosystem services as an essential element of water security.
Drought risk and resilience decision support - Chris Hughes, Arup, at IWA 2019The Resilience Shift
Chris Hughes, drought specialist at Arup, has written a guest blog for the Resilience Shift. In it he discusses some of the ways cities might better prepare for drought and resilience to water scarcity. Chris spoke about the work of his team recently at the IWA Conference on Efficient Water Management in Manila in January this year and referenced the Resilience Shift, and its work on the City Water Resilience Approach and online collaboration tool. You can see his presentation here.
The document summarizes the environmental impacts of hydroelectric dams and corresponding mitigation options. Some key impacts include flooding of natural habitats, loss of terrestrial wildlife, and involuntary displacement of people. While mitigation measures can help reduce many negative impacts, good site selection is the most important factor in minimizing environmental damage. Projects with small reservoir areas relative to power generation cause less habitat loss and displacement. In general, dams on upper tributaries have lower impacts than those on main river stems. Environmental criteria should be considered strongly in site selection to avoid developing in locations with unacceptably high impacts.
The Water Imperative: New Standards in Corporate Water LeadershipCoro Strandberg
Water security is a top global issue. Virtually every product requires water at some point in its production, manufacturing or use. Water shortages and lack of access to clean, fresh water are two top global risks – and by 2030 global water consumption is expected to rise by 40%.
As water demand rises around the world it will be difficult for many businesses to operate as usual. Whole sectors, companies and corporate value chains depend on water for their success. WWF, RBC and Molson Coors present their thoughts on the risks and opportunities to business and how to manage them. Coro Strandberg, Strandberg Consulting, introduces guidelines to help companies become transformational corporate water leaders.
The document discusses the energy-water nexus and proposes moving towards an integrated energy-water management approach. It summarizes that:
1) The energy-water nexus is complex and interlinked, like a network more than a simple nexus.
2) Understanding and managing risks across this network can help motivate action and prioritize areas of focus through tools like energy-water network mapping and risk assessment.
3) An integrated management framework is needed to address this complexity, including cross-sectoral planning, policies to align incentives, adaptive management, and business processes to translate plans into operations.
The Natural Capital Finance Alliance (NCFA) is a collaboration between financial institutions, convened by the UN Environment Finance Initiative and the Global Canopy Programme, that is working to advance the integration of natural capital considerations into financial products, services, and decision-making. The NCFA recognizes that natural capital underpins economic prosperity but is often not adequately valued, and it is developing tools and methodologies to help the financial sector better understand and manage dependencies and impacts related to natural capital and the risks of its decline. Projects include water risk management tools, forest risk assessment tools, and tools to quantify environmental risks across lending and investment portfolios.
OECD Green Talks LIVE | Diving deeper: the evolving landscape for assessing w...OECD Environment
Water is critical for meeting commitments of the Paris Agreement and achieving the Sustainable Development Goals. Our economies rely on water, with recent estimates putting the economic value of water and freshwater ecosystems at USD 58 trillion - equivalent to 60% of global GDP. At the same time, water related risks are increasing in frequency and scale in the context of climate change.
How are investments shaping our economies and societies exposure to water risk? What role can the financial system play in supporting water security? And how can increased understanding of how finance both impacts and depends on water resources spur action towards greater water security?
This OECD Green Talks LIVE on Tuesday 14 May 2024 from 15:00 to 16:00 CEST discussed the evolving landscape for assessing water risks to the financial system.
OECD Policy Analyst Lylah Davies presented key findings and recommendations from recent OECD work on assessing the financial materiality of water-related risks, including the recently published paper “Watered down? Investigating the financial materiality of water-related risks” and was joined by experts to discuss relevant initiatives underway.
The document discusses various risks related to water scarcity and quality issues, including physical, regulatory, reputational, financial, species, and ecosystem risks. It also discusses the concepts of virtual water and water footprint, which measure direct and indirect water usage. Several companies like SABMiller, Marks & Spencer, and others are working to address water risks and impacts in their supply chains through initiatives like the CEO Water Mandate and Alliance for Water Stewardship. Resources on water risks and stewardship are provided.
Tony Maas, WWF - Investigating Shared Risk: What business does a Panda have t...CWS_2010
The document discusses various risks related to water scarcity and quality issues, including physical, regulatory, reputational, financial, species, and ecosystem risks. It also discusses the concepts of virtual water and water footprint, which measure direct and indirect water usage. Several companies like SABMiller, Marks & Spencer, and others are working to address water risks and impacts in their supply chains through initiatives like the CEO Water Mandate and Alliance for Water Stewardship. Resources on water risks and stewardship are provided.
This document discusses water risk and sustainability. It notes that 63% of businesses identify water as a substantial risk and that water scarcity, surpluses, quality issues, and regulation pose financial risks. Industries like materials/mining and energy often face water exposure. The document recommends developing a strategic, technical, and collaborative approach to water management to mitigate risk and leverage opportunities. It provides examples of how sustainability consultancies can help clients assess water footprints, risks, and improvement opportunities to reduce costs, risks, and improve operations.
NEWIN is the leading US based water innovation cluster. NEWIN members are accelerating water innovation to market, solving global water challenges through local innovation and collaborationn
In this increasingly complex and uncertain world, companies must develop leaders who inspire and engage people to run a thriving business sustainably. This interactive session will provide OD and HR professionals, whether internal practitioners or external OD consultants, with a better understanding of the imperative for leaders to mainstream sustainability into their enterprises.
Linking Talent & Engagement Strategy for Sustainable ResultsLinda Morris Kelley
The document discusses how Alcoa leverages community engagement strategies like partnerships with Earthwatch Institute and the Make an Impact program to strengthen its talent strategy and support sustainability goals. It outlines programs that engage employees in environmental research and education to increase understanding of sustainability issues while also providing benefits like personal development and raising awareness of Alcoa's sustainability efforts. Community engagement strategies are presented as a key business imperative that can lead to sustainable results for Alcoa.
This document discusses the critical role of human resources in sustainability. It notes that HR owns key processes that can drive cultural change in a company and influence employee behaviors, such as performance management, policies on working conditions and compensation. The document advocates that sustainability should be a routine part of every employee's job, with HR helping to engage and enable employees across different departments to consider sustainability in their work. Finally, it raises the question of whether companies reward or punish behaviors like courage, initiative and selflessness.
How to Accelerate HR's Role in Sustainability: The Next Big Step!Linda Morris Kelley
This document discusses how human resources departments can accelerate their organizations' sustainability efforts. It argues that sustainability goals should be integrated into all employee goals and training. An essential part of sustainability is developing a culture of sustainability through values, mindsets, leadership, engagement, diversity and inclusion. HR can help by recruiting, developing and retaining talent aligned with sustainability. Leadership should work across all functions and training should embed sustainability in all roles. Building a sustainability culture requires co-creation, grassroots efforts and long-term thinking.
This document summarizes a presentation given by William G. Russell on sustainable pathways for profitable companies. The presentation covered short-term planning for fragile but profitable companies, including quantifying sustainability risks and opportunities financially. It also covered longer-term planning for resilient companies, including trends in sustainability reporting, materiality analysis, and new business models focused on resilience in the face of climate change. The presentation argued that companies must embrace sustainability to remain competitive over the long run.
Real democracy in virtual space? To many that would seem impossible. But the citizens of the CDS know it isn’t. With 10 years invested into democratic processes, what have we wrought? What do we have?
Is it a jewel to be cherished? A relic dragged in here from that solid space? An emerging evolutionary advancement for humanity? ...or something altogether different?
This presentation and open discussion will use democracy in the CDS as it’s starting point--how this democracy began, has evolved to date, and danced with and around its sister self-governing communities of Cedar Island and Al Andalus to arrive at where it is today.
This document discusses the toxic materials found in electronics like cell phones and discusses the environmental and health issues they can cause. It notes that many hazardous metals like mercury, cadmium, and lead are used in electronics and describes how mercury is used in LCD screens. When electronics become e-waste, the toxins can leach into the environment. However, recycling of e-waste in some countries is often done unsafely by hand, exposing workers and children to the toxins. The document calls for more responsible recycling and reduction of toxic materials in electronics.
The document discusses how organizations can build a culture of sustainability through talent management. It presents a sustainability model with four components: the sustainability module, change management model, organization blueprint, and sustainability initiatives. It then discusses how an organization's culture and talent management processes are key to embedding sustainability. The talent management processes involve assessing employees, diagnosing talent needs, and monitoring the talent management system. The goal is to transform the business case for sustainability and make it a long-lasting culture through developing talent.
Transforming Your Business Case into a Culture of Sustainability through Tal...Linda Morris Kelley
The document discusses how organizations can build a culture of sustainability through talent management. It presents a sustainability model with four components: the sustainability module, change management model, organization blueprint, and sustainability initiatives. It then discusses how an organization's culture and talent management processes are key to embedding sustainability. The talent management processes involve assessing employees, diagnosing talent needs, and monitoring the talent management system. The goal is to transform the business case for sustainability and make it a long-lasting culture through developing employees.
Willard Transitioning to Green Thought Leader Webinar, April 2011Linda Morris Kelley
The document discusses building support for sustainability initiatives within businesses. It outlines how sustainability has become a strategic priority for CEOs due to risks like climate change and expectations from stakeholders. Integrating sustainability can provide rewards like cost savings, revenue growth, and improved reputation. The document advocates an approach where sustainability is viewed as an enabling strategy rather than just another goal.
Green Thought Leaders realize that current business practices are unsustainable and that transitioning to a green economy requires growing new systems and ideas over time, built upon the foundations laid by previous pioneers. The document profiles several influential thinkers in the sustainability field like Gro Harlem Brundtland, Hazel Henderson, Herman Daly, and John Elkington who have helped define concepts like sustainable development and the triple bottom line. It also highlights business leaders taking practical steps towards sustainability through initiatives at companies like Interface, Herman Miller, and Ceres. The future requires both holding onto established knowledge and innovating for a sustainable world through broad, organization-wide leadership.
The document provides guidance on preparing for a job interview, including researching the organization, dressing appropriately, preparing answers to common questions, having references ready, and knowing what to expect from different types of interviews. Key points covered are reviewing one's strengths and accomplishments, getting to know the organization, asking questions of the employer, and presenting oneself positively in the interview.
The document provides information about exploring career possibilities in the emerging green economy. It discusses what a green economy and green jobs are, as well as sustainability and emerging markets. The document then outlines a career certification program called Transitioning to Green Careers that helps participants develop green career plans, enhance skills, and find green jobs or start green businesses.
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...ABHILASH DUTTA
This presentation provides a thorough examination of Over-the-Top (OTT) platforms, focusing on their development and substantial influence on the entertainment industry, with a particular emphasis on the Indian market.We begin with an introduction to OTT platforms, defining them as streaming services that deliver content directly over the internet, bypassing traditional broadcast channels. These platforms offer a variety of content, including movies, TV shows, and original productions, allowing users to access content on-demand across multiple devices.The historical context covers the early days of streaming, starting with Netflix's inception in 1997 as a DVD rental service and its transition to streaming in 2007. The presentation also highlights India's television journey, from the launch of Doordarshan in 1959 to the introduction of Direct-to-Home (DTH) satellite television in 2000, which expanded viewing choices and set the stage for the rise of OTT platforms like Big Flix, Ditto TV, Sony LIV, Hotstar, and Netflix. The business models of OTT platforms are explored in detail. Subscription Video on Demand (SVOD) models, exemplified by Netflix and Amazon Prime Video, offer unlimited content access for a monthly fee. Transactional Video on Demand (TVOD) models, like iTunes and Sky Box Office, allow users to pay for individual pieces of content. Advertising-Based Video on Demand (AVOD) models, such as YouTube and Facebook Watch, provide free content supported by advertisements. Hybrid models combine elements of SVOD and AVOD, offering flexibility to cater to diverse audience preferences.
Content acquisition strategies are also discussed, highlighting the dual approach of purchasing broadcasting rights for existing films and TV shows and investing in original content production. This section underscores the importance of a robust content library in attracting and retaining subscribers.The presentation addresses the challenges faced by OTT platforms, including the unpredictability of content acquisition and audience preferences. It emphasizes the difficulty of balancing content investment with returns in a competitive market, the high costs associated with marketing, and the need for continuous innovation and adaptation to stay relevant.
The impact of OTT platforms on the Bollywood film industry is significant. The competition for viewers has led to a decrease in cinema ticket sales, affecting the revenue of Bollywood films that traditionally rely on theatrical releases. Additionally, OTT platforms now pay less for film rights due to the uncertain success of films in cinemas.
Looking ahead, the future of OTT in India appears promising. The market is expected to grow by 20% annually, reaching a value of ₹1200 billion by the end of the decade. The increasing availability of affordable smartphones and internet access will drive this growth, making OTT platforms a primary source of entertainment for many viewers.
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
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Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Structural Design Process: Step-by-Step Guide for BuildingsChandresh Chudasama
The structural design process is explained: Follow our step-by-step guide to understand building design intricacies and ensure structural integrity. Learn how to build wonderful buildings with the help of our detailed information. Learn how to create structures with durability and reliability and also gain insights on ways of managing structures.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
Hamster Kombat' Telegram Game Surpasses 100 Million Players—Token Release Sch...
Insurance_Risks_and_Water_Quality
1. Insurance Risks and
Water Quality
Thursday, January 30, 2014,
11:50 am to 1:30 pm EST
The opinions expressed and the material provided are those of TTG. MSO has not validated any representations made
as to data, or any other information presented herein.
2. Agenda
• Welcome and Introductions
• Types of risk to water quality
• Who are the stakeholders in the value chain of water
quality?
• Q&A
• Insurance industry implications
• Conclusion
• Q&A
• Actions going forward and follow up
3. Welcome
Jan Scites, CEO & President, MSO
•
•
•
•
•
TTG Vendor partner with MSO
Survey on Green and Sustainability 2013
Webinar terrific response
MSO national footprint
MSO committed to providing education to the
insurance industry
4. Welcome
Jeana Wirtenberg, President & CEO, Transitioning to Green
• Transitioning to Green, LLC
– Help organizations determine where they are, where they want to
go and how they can get there in the green economy
– We do this through, consulting, training and LeaderShip for
Sustainability.
• Our promise is simple… by applying “holistic
sustainability” business practices, we assist every
organization we touch to simultaneously and
synergistically:
– Engage your People
– Sustain Our Planet
– Optimize your Profitability
4
5. Today’s Presenters
•
Linda Kelley, Principal,
Transitioning to Green, LLC
–
–
–
–
–
Enterprise Ecologist
Artist and naturalist
Practitioner of whole systems approach to
strategy, innovation, leadership ,
collaboration, and learning
Consultant to business and government
Pioneer in virtual technologies for
collaborative learning
•
Bill Russell, Principal,
Transitioning to Green, LLC
–
–
–
Chemical Engineer, MBA-Finance
Hazardous waste site investigator / engineer
Former US environmental practice leader of
PwC
•
•
•
–
Expert witness on Superfund and Asbestos
Litigation
Advisor to insurance industry on new
environmental risk products
Advisor to industry on Sustainable Enterprise
practices
Professor, Green Accounting Columbia
University
5
6. Transitioning to Green MSO Webinars
• High level perspective of sustainability related to
insurance risks
• Highlighting the nexus between traditional insurance
interests and the emerging nexus of energy, water and
food
• A series of three webinars that address concerns and
interests expressed by insurance professionals in the
MSO Survey in the Spring of 2013
– Hydraulic Fracking and Insurance
– Insurance Risks and Water Quality
– Issues of Food Security and Insurance
7. Top Industry Risks Related to Greening, continued
4. How important are risks related to
water and energy quality and reliability?
Important + Critical = 48%
4
38
10
Important + Critical = 46%
12. How important is quantifying
economic impacts and financial value of
12
"green" risks?
43
3
Column1
Column2
Column3
Important + Critical = 40%
7. How important are risk issues related to
7
air pollution, smog and indoor air quality?
40
Important
0
Critical
Important + Critical = 39%
8. How important are risk issues related to
8
wetlands preservation, biodiversity and
ecosystem conservation?
29
0
10
20
40
60
8. Top Industry Risks Related to Greening, continued
10. How important are Directors and
Officers insurance policy
implications/riders for green/sustainability
business practices?
Important + Critical = 36%
Important + Critical = 30%
3. How important are risks related to
green vehicles, accidents and repair?
11. How important is green marketing and
false advertising liabilities related to
"greenwashing"?
1. From your company's perspective, how
important is assessing risks related to
green buildings certifications and service
professionals performance claims (e.g.
architect design not able to achieve LEED
Gold certification level as originally
planned?)
Important + Critical = 26%
Important + Critical = 16%
10. Business and water are linked
http://www.lloyds.com/~/media/Lloyds/Reports/360/360%20Climate%20reports/7209_360_Water_Scarcity_AW.pdf
11. Insurance Risk and Water Quality
The risk to water supply and quality is increasing along with the rapid
growth in both public and private demand for its use.
Severe weather events such as storms and flooding combined with aging
infrastructure, faulty handling of waste, and inadequate system design
among other factors contribute to increased liability exposure for
insurers.
In this webinar we will use case examples to look at some of the critical
issues that insurers are facing as risks to water quality.
13. Types of Risks to Water Quality
• Water
contamination
– Accidental and careless
– Malicious or intentional
• Water infrastructure
deterioration
• Storms and
overflows
• Droughts
14. Contamination: Toxic Algae and Bacteria
•
Toxic algae in Lake Erie may threaten public water supplies
http://oceanservice.noaa.gov/news/features/feb12/cyanobacteria.html
•
Coliforms and e-Coli
http://www.mlive.com/news/muskegon/index.ssf/2012/11/boil_water_order_in_effect_for.html
15. Contamination: antibiotics and endocrine
disruptors in water supplies
• Flushed pharmaceuticals
• Antibiotics from farm animals
• Endocrine disruptors
– Beauty products
– Some Plastics
16. Water treatment plants remove only about half of the
drugs, antibiotics and herbicides from drinking water
http://www.processingmagazine.com/articles/126456-wastewater-treatment-plants-remove-only-half-of-drugs-in-water
17. Dumped Waste
• Household
• Industrial
• Agricultural
http://seaotters.com/2012/08/22/agriculturalrunoff-bad-for-us-bad-for-otters/
Berkshire Environmental Action Team river cleanup
http://enviropolicyintro.wordpress.c
om/2013/04/26/reduce-reuserecycle/
18. Failing Water Infrastructure in the US
•
Wastewater: The grade for wastewater
improved slightly to a D. Capital
investment needs for the nation’s
wastewater and stormwater systems are
estimated to total $298 billion over the
next 20 years. Pipes represent the largest
capital need, comprising three quarters of
total needs.
•
Nearly 170,000 public drinking water
systems are located across the United
States. Of these, 54,000 are community
water systems that collectively serve more
than 264 million people
.
•
In all likelihood, businesses and
households will be forced to adjust to
unreliable water delivery by strengthening
sustainable practices employed in
production and daily water use.
WWW.INFRASTRUCTUREREPORTCARD.ORG
19. Flood Insurance:
Who pays what, where and how?
Cedar Rapids, Iowa: A traffic light above a flooded city street in Cedar Rapids, Iowa (June 13, 2008).
Source: Scott Olson/Getty Images
Popular Flood Insurance Law Is Target of Both Political Parties
•
•
“This week the Senate is expected to approve a measure that would block, repeal or delay many of the key provisions of
the Biggert-Waters Flood Insurance Reform Act”
“The aim of the measure was to shift the financial risk of insuring flood-prone properties from taxpayers to the private
market. Homeowners, rather than taxpayers, would shoulder the true cost of building in flood zones.”
http://www.nytimes.com/2014/01/29/us/politics/popular-flood-insurance-law-is-target-of-both-political-parties.html?_r=0
20. Droughts happen…even in the Northeast
and Mid-Atlantic
View of the Delaware River looking downstream
from Morrisville, Pa. towards Trenton, N.J., Oct. 1963.
http://www.state.nj.us/drbc/hydrological/drought/
21. Who are the stakeholders in the value
chain of water quality?
•
•
•
•
•
•
•
•
•
Power plants
Agriculture
Restaurants
Homeowners
Municipalities
Water processors
Manufacturers
Fishing and recreation
And more…
http://www.limno.com/
22. Example: 1997 New York City Watershed
Memorandum of Agreement
Stakeholders
•
•
•
•
•
•
•
•
•
The City of New York
The State of New York
The United States Environmental
Protection Agency
The Coalition of Watershed Towns
(West of the Hudson River)
The Catskill Watershed Corporation
The County of Putnam, New York
The County of Westchester
"Municipal Parties” (Counties,
Towns and Villages)
"Environmental Parties“ (nonprofit
environmental organizations)
NYC Watershed
23. Review of precedents, including water
related superfund sites as examples and
case studies, and anticipating future risks
• Risk analysis of categories
– Water contamination from toxic metals
– Water contamination from pharmaceuticals
– Water infrastructure degradation
– Wastewater processing failures and inadequacies
• Natural resources damage claims
24. Clean Water Act
The 1972 amendments to the Federal Water Pollution Control Act (known as the Clean
Water Act or CWA) provide the statutory basis for the NPDES permit program and the
basic structure for regulating the discharge of pollutants from point sources to waters of
the United States. Section 402 of the CWA specifically required EPA to develop and
implement the NPDES program.
• The Clean Water Act (CWA) establishes the basic structure
for regulating discharges of pollutants into the waters of
the United States and regulating quality standards for
surface waters.
• The CWA compliance assistance program provides
businesses, federal facilities, local governments and tribes
with tools to help meet environmental regulatory
requirements.
25. Precautionary Principle to the wind
Most chemicals in use have not been tested for human safety
• Pharmaceuticals and
pesticides must have
some testing before they
are sold
• Industrial chemicals do
not have required tests
• Companies are not
required to provide any
safety data for new
chemicals
http://www.nytimes.com/2013/04/14/sunday-review/think-those-chemicals-have-been-tested.html
26. What spilled into West Virginia’s
Elk River and how dangerous is it?
•
•
•
AP
4-methylcyclohexane methanol (MCHM) is somewhat of a mystery compound
PPH, a mixture of polyglycol ethers (Freedom Industries is not being fully disclosing
the nature of the compound, claiming it is proprietary)
The real danger of these chemicals is unknown
http://thedianerehmshow.org/shows/2014-01-23/new-chemical-identified-west-virginias-elk-river-spill
http://www.businessweek.com/articles/2014-01-23/a-second-toxic-chemical-spilled-in-west-virginia-andfreedom-industries-said-nothing-until-now
27. Coping with no water
Business in Charleston, WV closed.
300,000 people in 9 counties without
safe drinking water for three days (14
Jan 2014)
Bottled water for drinking, cooking,
washing
www.huffingtonpost.com
28. • West Virginia-American Water is a private company that
provides municipal drinking water to parts of 9 counties in this
area of West Virginia, including the city of Charleston
• WVAW had a drinking water intake just a mile and a half
downstream from Freedom’s chemical storage tanks on the
Elk River
• “Asked over the weekend whether there should have been
more oversight and emergency planning, Governor Tomblin
replied, 'I'm not someone who runs West Virginia American
Water.’”
http://www.newyorker.com/online/blogs/newsdesk/2014/01/a-chemical-spill-along-the-elk-river-in-west-virginia.html
29. Freedom Industries Files Bankruptcy
Freedom Industries President Gary Southern
•
•
•
Freedom Industries is the product of a merger effective Dec. 31, 2013
Elk River spill, January 9, 2014
The company filed a Chapter 11 petition with the U.S. Bankruptcy Court in
the Southern District of West Virginia on January 18, 2014
30. Mayflower, AR, a lakeshore community,
and its Exxon oil spill
• The spill
• The consequences
• The lawsuits
http://www.huffingtonpost.com/2013/05/30/mayflower-oil-spill-lawsuit_n_3359777.html
32. Insurance Industry Implications
• Starting small: Water pipe insurance
• Expanding the system: Aging water infrastructure
expanding risks
• Expanding the pockets: Duty to defend, class
action suits
• Expanding the damage claims: Property value
diminution suits and quantifying “stigma”
• Expanding the system again: Natural resource
damages, intangibles, social costs and externalities
33. Homeowner Water Pipe Insurance
Homeowners are not aware that repairs to the water and sewer
lines that run from their home’s exterior to the mains in the
street are their responsibility.
34. NYC Insurance Case Example
• NYC DEP sends out a letter just after Superstorm Sandy
announcing a new insurance program covering home water
and sewer lines.
• The “aging pipes” are increasingly frail, and that, once they
burst, homeowners are liable for repairs.
• Water line repairs range between $3,000 and $5,000
• Sewer line repairs range between $10,000 and $15,000.
• Pricing – $3.99/month for water line protection, and $7.99 for
sewer, or $11.98 for both – is built right into your water bill, as
opposed to an additional bill.
35. Homeowner water pipe insurance
• In 2012, the NYC DEP responded to more than 3,000
complaints of street leaks.
• 2,339 of these – 77 percent – were breaks to private
infrastructure,”…
• Could not say how many of those were from wear-and-tear
versus extraordinary circumstances.
• The insurance only covers normal wear and tear that come
from age and use.
• Other factors, like contractors cut your service line, or a
natural disaster, that’s not part of this program.
36. Municipal Water Pipe Claims
• Philadelphia water-main break
floods part of city two summers
ago has long been repaired, and
the city has committed to paying
for the damages.
• Water damage to dozens of homes
and businesses flooded that night estimated at $2.8 million
• More than five times what the city
is statutorily allowed to pay out.
37. Municipal Water Pipe Claims
• Claimants, including utility giants Verizon and Peco, fight for
the $500,000 pot of city money.
• Verizon claiming more than $100,000 for damages to cables
and ducts during repair of the water main.
• Peco largest claim of $932,448 for damage to underground
infrastructure. Peco is self-insured, but money is for when
Peco liable for damages to customers.
• One homeowner filed a claim for $29,462 in damages and
their insurance does not cover flooding, so he has had to pay
• He and others will likely only get a fraction of the cost back
from the city.
38. Municipal Water Pipe Claims
• State Sen. Larry Farnese (D., Phila.), whose district includes
the area, introduces bill to raise the cap, set in 1980, to $2
million.
• Increase the claim cap in anticipation that other big watermain breaks are bound to happen.
• 2012 break just one of hundreds the city has each year.
• Some pipes are more than a century old; the average age is
67.
39. Municipal Water Pipe Legislation
• November 24, 2013, Representative Earl Blumenauer (OR03) introduced the bipartisan Water Protection and
Reinvestment Trust Fund Act of 2013
• Bill would provide a small, deficit-neutral, protected source
of revenue to help states and local government replace,
repair, and rehabilitate critical wastewater treatment
facilities
• Creates a voluntary labeling and contributory system to
which businesses that rely on a clean water source could
opt-in.
40. Municipal Water Pipe Legislation
• Businesses place a small label on their products indicating
their commitment to protecting America's clean water.
• For each unit displaying a label, companies would
contribute $0.03 to the Water Trust Fund.
• Blumenauer. “This bill doesn't cost the taxpayers a cent…
and yet allows businesses and the public to enjoy the
benefits..”
41. West Virginia Water Contamination Suits
• “CHARLESTON – Less than 24 hours after a chemical leak began to
wreak havoc on Charleston and surrounding areas, a class action
complaint already had been filed against the company responsible.”
• “The complaint — filed by attorneys from Mani, Ellis & Layne PLLC
and The Sutter Law Firm PLLC – says this is a West Virginia-only
class action “to recover lost business profits and other damages for
business entities affected by a government close order as a result of
a chemical spill into the Elk River emanating from Defendant
Freedom’s Etowah River Terminal, which was distributed to all
water customers of West Virginia American Water Company”
• “The restaurants seek compensatory damages, interest, statutory
damages, punitive damages, injunctive relief, attorney fees, costs
and other relief.”
42. Other Insured Stakeholder Claims
• Homeowners
• Water Industry
• Government Suits
– i.e. Attorney General files “citizen suit” seeking injunctive relief and civil penalties for
surface water contamination
43. Property Value Diminution Claims
Builds upon Fracking discussions, pollution
exclusions and contaminated water claims.
• Diminution is sometimes used to denote a decrease in value
caused by actual contamination of a property while stigma is
sometimes used to refer to a decrease in value caused by a
property’s association with contamination.
• Case law and articles generally use the terms interchangeably
44. Potential Fracking Claims
•
Environmental/pollution claims: Any bodily injury or property damage caused
as a result of hydrofracking-related pollution or groundwater contamination.
•
Comprehensive general liability claims: Coverage for liability resulting from
bodily injury or property damage that takes place during the policy period and
is caused by an occurrence. Unless specifically excluded, CGL policies usually
also provide coverage for losses associated with products, completed
operations, premises and operations, and contractors. Moreover, those
entities involved in the storage, treatment, transportation and disposal of
hydrofracking fluids face potential liability under their CGL policies (as well as
other possible sources of coverage).
•
Operators’ extra expense claims: Hydrofracking wells have occasionally
suffered blowouts as a result of the large amounts and highly pressurized
water, “proppants” (sand or ceramic beads) and chemicals that are injected
into underground shale formations. Should a blowout occur, many of the
energy and drilling companies could look to this type of insurance to cover
their losses.
45. Property Value Diminution Claims
Limitations on Diminution Damages
(1) Physical contamination requirements
(2) The restricted availability of diminution
damages when contamination is below
regulatory levels, and
(3) The rule that plaintiffs may only obtain the
lesser of the cost of repair or the loss of
market value.
46. Property Value Diminution Claims
Limitations on Diminution Damages
• The law governing diminution damages in
environmental cases has grown principally from
that of nuisance.
– The causes of action of negligence, negligence per se,
ultra-hazardous activity, and emotional distress
typically pled for personal injury in toxic tort cannot
support diminution claims.
– Trespass allows diminution in value as a measure of
damages, but with its requirement of ‘‘physical
invasion,’’ it is not applicable when property has not
been contaminated.
47. Property Value Diminution Claims
DeSario vs. Industrial Excess Landfill Inc.
• 1991, a published decision of the Ohio Court of
Appeals
• Affirmed the certification of a diminution claim of a
class numbering over 1500 properties around a landfill
even though many of the properties would not be
contaminated.
• Its justification? ‘‘[T]o recover damages under a private
nuisance theory, the plaintiffs need not show a physical
intrusion onto their land
• [It] may be premised on the public’s perception of
contamination irrespective of actual land
contamination.’’
48. Diminished Property Value Claims in a
Diminished Real Estate Market
• Claims of diminution damages necessarily depend
on the performance of real estate as an asset generally.
• As an asset, real estate has often cycled between periods
of being coveted and shunned.
• Environmental diminution damage cases have not
expressly addressed these market ups and downs.
• Plaintiffs interested in excluding such discussion as it is a
potential alternative cause of their injury
49. Natural Resource Damages Claims
BP Oil Spill Ramifications:
• While we expect to see
claims brought against
policyholders central to
the spill, such as BP,
Halliburton, Transocean
and related players,
• the "downstream” liability
claims may herald
coverage disputes not
previously contemplated
by the underwriters.
50. Natural Resource Damages Claims
• Where injuries to natural resources have occurred as a result
of releases of hazardous substances or oil as a result of natural
resource injury, or as a result of implementation of a response
action, damages are recoverable.
• EPA coordinates with the Department of the Interior to assess
the natural resource damage, and calculate the monetary cost
of restoring the natural resources.
• Damages to natural resources are evaluated by identifying the
functions or "services" provided by the resources, determining
the baseline level of the services provided by the injured
resource, and quantifying the reduction in service levels as a
result of the contamination.
51. Warren Drilling Co. v. ACE American Ins. Co.
• Case involves an insurer’s (ACE American Insurance) refusal to
extend coverage to its insured (Warren Drilling Company) for
claims arising out of Warren’s fracking operations.
• In 2008, a homeowner claimed water was contaminated by
pollutants from Warren’s fracking.
• Warren eventually settled its case with the homeowner but
then sought to recover its legal fees from ACE for its refusal to
defend and/or indemnify.
• For Warren to obtain a favorable ruling obligating ACE to
indemnify it and to pay its legal fees, it had to show:
(1) The fracking resulted in an unexpected and unintended discharge of pollutants; and
(2) The discharge of pollutants was abrupt and instantaneous.
52. Pollution Exclusions
• General liability policies that were issued between the early
1970s and mid-1980s usually include the “qualified pollution
exclusion.”
• This exclusion bars coverage for pollution related injuries to
persons and property.
• The clause appears almost identically in all insurance policies.
This insurance does not apply…to bodily injury or property damage arising out of the
discharge, dispersal, release or escape of ... toxic chemicals, liquids or gases, waste
materials, or other irritants, contaminants or pollutants into or upon land, the
atmosphere or any water course or body of water; but this exclusion does not apply if
such discharge, dispersal, release or escape is sudden and accidental.
53. Pollution Exclusions
• Courts faced with coverage issues arising out of fracking
operations may base their decisions on whether the claims
asserted are barred by the pollution exclusion clause
contained in the comprehensive general liability (CGL) policies
issued by insurers.
• As for now, each individual needs to understand the specific
wordings in their own policy in order to understand what to
reasonably expect from their insurer.
54. Duty to Defend
• An insurer’s duty to defend is broader than its duty to
indemnify.
• The insurer’s duty to defend arises when a complaint against
the insured gives rise to any potential liability covered by the
terms of the policy.
• The duty to defend exists even if the alleged claims are false
or groundless.
• Additionally, the insured does not need to provide concrete
evidence that the injuries were sudden and accidental;
instead, the insured need only provide evidence of a
reasonable possibility that the injuries were sudden and
accidental.
55. Subrogation Recovery Opportunities
• Fracking, water contamination and or water supply disruptions all
have the potential to generate a great deal of troublesome
coverage and litigation issues!
• That said, it provides insureds with subrogation and recovery
opportunities.
• Carriers should take appropriate steps from the outset to recognize
contribution or indemnity claims against other companies or
individuals who are arguably more responsible.
• Insurers facing claims against their property owner insureds should
consider claims against those more directly involved on and around
the property involved.
• Insurers met with claims against insureds that oversee the drilling
activity must consider claims against their contractors to the extent
clearly irresponsible activities may have given rise to such claims.
56. Subrogation Recovery Hurdles/Risks
• Factual Support: Plaintiffs have an uphill battle demonstrating
a nexus between a particular contaminating (drilling) activity
and alleged damages.
– If a carrier indemnifies an insured for a covered loss, it then stands in
the shoes of the insured and must eventually demonstrate in any
subrogation effort that the reimbursed damages were proximately
caused by the negligent conduct of the subrogation targets identified.
• Contractual Limitations: Possibility exists contract contains
risk allocation provisions that will limit or eliminate recovery
efforts.
– Hold harmless clauses.
– Arbitration clauses.
57. Water reclamation and recycling
San Diego’s toilet to tap concept
Recycled water gives San Diego a dependable, year-round,
locally controlled water resource.
•
•
•
•
Irrigation
Manufacturing
Non-drinking
Non-potable purposes
http://www.sandiego.gov/water/waterreuse/
59. Upcoming MSO Webinar
by Transitioning to Green
Issues of food security and insurance
Thursday, February 13, 2014
11:50 to 1:30 pm ET
In between the obvious risks from crop failures and
livestock epidemics, and food contamination at the
retail level are food security issues and risks that run
through the entire food supply chain. Because there
are so many interconnected threads in food security, it
is important for insurers to have a grasp of the entire
picture. In this webinar we will give an overview of
food security and safety that includes operational,
regulatory and environmental liabilities. We will use
actual cases as examples.