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... identifiable with respect to existing and anticipated crisis exposures. The perils readily identified through traditional insurance coverages are essential in comprehensive crisis exposure analysis of an operating entity. Insured perils may be utilized in identifying various exposures by grouping similar insurance coverages, as follows: Liability Exposures Automobile Aircraft Water craft Premises Products Completed operations Contractual Professional - errors and omissions Directors and Officers legal liability Property and All Risk Coverage Exposures Real property Personal property Time element exposures Business interruption Extra expense Cargo - Inland Marine and Ocean Marine Valuables on display and in transit Computer ... operating and financial abilities. A hypothetical loss situation in a manufacturing facility could entail these conditions: a boiler explosion with an ensuing fire, injury to both employees and third party guests; fire damage occurring in the immediate exterior perimeter as well as structural collapse affecting self-insured fleet vehicles. In analyzing a major crisis situation such as natural hazards, it is important to extend the impact on finances to assess the effects of major losses against either self-insured or experience rated group medical benefit plans. Consideration should be given to other specific adverse exposures ... worst case loss scenario and develop vital information such as replacement cost values, alternate temporary manufacturing capabilities, extra expense exposure, business interruption time period as well as any problems associated with contingent business interruption or inability to meet customer contractual obligations. 5.4 Facility Location Considerations The physical location of a major facility complex has a significant bearing on the potential loss magnitude. A rural setting generally increases the desirability from a crime and exterior fire exposure standpoint but complicates the situation from the viewpoint of service availability. The rural area frequently does not have ...

...lows: Liability Exposures Automobile Aircraft Water craft Pr...