Search CompleteMarkets

... to restore the property. Under California law, the borrower must use the proc...ructural causes of damage from the earthquake, and their rights as a borrower....

...rker productivity. The State of California Telecommuting Pilot program, a stat...lf-motivated, and disciplined. The California program found that many telecomm...

...ke danger is highest in Alaska, California, and Hawaii, but is also greater th...ttles and jars may break during an earthquake. Purchase emergency foods in can...

... request referrals by asking for the names of three associates who might require your services. Second, use your client database to improve your customer service image. Too many clients hear from their agencies only when it's about money-an invoice, a rate increase, or a claim. Instead, you can use the information in your database to contact your customers proactively. For example, in some areas of Southern California, clients appreciate earthquake preparation tips or suggestions for rating appropriate Flood insurance. In another instance, you might notice claims reports portraying a high incidence of carjacking in certain zip codes. Prepare a newsletter for your clients in those areas advising ways to avoid carjackers and what to do in case of a car jacking. These positive contacts confirm your value as an independent agent and solidify your relationships with ... clients. A third advantage of managing your client database is the automated tracking of your submissions. Often company representatives visit to ask you for more business or different business, but they never write what you submit. Or a company will not renew your appointment because you haven't given them the type of business it wants. How many times do you know you've submitted many qualified appointments, but can't prove it? With up-to-date information, your computer enables you to produce a report detailing your carriers' closing ratios, what business they refused and why. When you meet with your representatives you'll be able to discuss your submissions and support your conclusions with facts. Last of all, your client database provides you with the information you need to make intelligent business decisions. You can manipulate the data to determine ...

... SOPER & ASSOCIATES, a State of California corporation or SOPER & ASSOCIATES, ...Environmental Crisis Exposure 6.5 Earthquake Crisis Exposure 6.6 Volcanic Cr...

... to their employees (New York, California, Hawaii, New Jersey, and Rhode Isla...y won’t find a policy that covers earthquake and hurricane damage. 6. Profess...

... have access to fax machines, copiers, secretarial services, conference rooms, and other amenities. BENEFITS Telecommuting helps employers in many ways: Reduces overhead. Telecommuters who work at home don't need office space, thus reducing the company's space requirements and energy consumption. Moving employees to company-owned satellite offices may also bring cost savings due to lower rents in suburban areas. Increases worker productivity. The State of California Telecommuting Pilot program, a state-sponsored study of telecommuting among state workers, reported that telecommuting increased productivity by 10% to 30% . Reduced or eliminated commute time, reduced stress, and fewer distractions may account for this. Enhances employee retention. The California Telecommuting Pilot Program found that telecommuting helped the employer retain the services of mothers during maternity leaves. Reduces worker stress. Telecommuters in the California ... experienced 25% fewer absences than their peers. Working at home helps employees continue to work while dealing with such situations as emergency child-care and minor illnesses that might make it undesirable to go into the office. Can accommodate employees with disabilities. Telecommuting may constitute a reasonable accommodation for employees with disabilities. (See discussion later.) Can create continuity after a disaster. When a disaster, such as earthquake, flood, or fire, destroys your main facility, telecommuters can often continue to work. If telecommuters must access information on company computer networks, you may want to consider having a backup network offsite. RISKS Telecommuting isn't for everyone. Certain jobs lend themselves to telecommuting. Information workers are an obvious choice; manufacturing workers aren't. Professionals comprised the majority (72%) of telecommuters in ...

... the inevitable crises. Recent surveys show that fewer than half the Fortune 1,000 companies have either crisis management staff or even a plan in place' thus emphasizing the serious magnitude of this risk management program void. This critical situation concerning the missing Crisis Management Plan segment must be rectified. (Quote from Ian I. Mitroff, Ph.D., School of Business Administration at the University of Southern California.) 1.5 Lack of Industry Stakeholder Awareness Following are typical risk and insurance management industry stakeholders who, all too often do not include the illusive Crisis Management Plan segment as an integral part of their risk and insurance management considerations: Risk Managers and Chief Financial Officers Frequently do not have formulated emergency plan involving a detailed response action plan and documented evidence of pre-and-post incident strategic planning. Insurance Brokerage Firms ... Management Plan objectives interface with the identified needs of the operating entity and involve a broad focus encompassing life safety, business impact analysis, pre-loss planning, post-loss recovery, asset conservation, operational continuity, legal compliance and maintenance of revenue production with the ultimate goal of financial survival. Also of concern are loss exposure perils affecting such issues as life safety including evacuation and medical emergency, fire, explosion, earthquake, structural collapse, pollution abatement, flooding, severe weather, workplace violence, civil commotion and bomb threats. In summary, the proposed methodology in a Crisis Management Plan (i.e., Policy Statement, Committee Operation, Manual) generally remains consistent. The factors that vary significantly involve the business impact analysis results, crisis loss exposure and vulnerability. The importance of an effective crisis media management ...

... CSP Principal SOPER & ASSOCIATES, LTD. PO BOX 39 KIRKLAND, WASHINGTON (206) 889-0113 &# 160 IMPORTANT: COPYRIGHT NOTICE Note that the majority of crisis, risk and insurance management strategies, methodologies, tactical systems and/or consulting practices herein identified have been copyrighted by Richard H. Soper or Richard H. Soper, Inc., dba: SOPER & ASSOCIATES, a State of California corporation or SOPER & ASSOCIATES, LTD., a State of Washington corporation or in articles or texts authored by Richard H. Soper and appearing in: Risk Management, Risk & Benefits Management, Risk Management Reports and/or published in copyrighted text by: Risk and Insurance Management Society, Inc., New York, New York, Prentice Hall Company, New York, New York and ... 4.2 Comprehensive Analysis 4.3 Evaluating Crises Exposures 4.4 Loss Magnitude Category Severity Rankings 4.5 Magnitude Assessment Schedule Exhibit 4.1 Crisis Magnitude Assessment Schedule 5.0 CRISIS VULNERABILITY IDENTIFICATION 5.1 Crisis Vulnerability Analysis Overview 5.2 Unique Loss Vulnerability Identification Exhibit 5.1 Schematic Vulnerability Flow Analysis 5.3 Insurance and Risk Funding Adequacy 5.4 Facility Location Considerations 6.0 CRISES EXPOSURE AWARENESS 6.1 Crises Exposure Awareness Overview 6.2 Legal Compliance Considerations 6.3 Litigation Crisis Exposure 6.4 Environmental Crisis Exposure 6.5 Earthquake Crisis Exposure 6.6 Volcanic Crisis Exposure 6.7 Crisis Awareness Focus Exhibit 6.1 Significant Crisis Events DIVISION III CRISIS MANAGEMENT PLAN DEVELOPMENT 7.0 PLAN ORGANIZATION AND TIMING 7.1 Key Crisis Management Plan Elements 7.2 Crisis Exposure Assessment 7.3 Crisis Management Plan Components Exhibit 7.1 Crisis Management Plan Organization 7.4 Crisis Management Plan Timing Exhibit 7.2 Crisis Management Sequential Timing 7.5 Prior to Crisis Timing 7.6 During Crisis Timing 7.7 Immediately Following Crisis Timing 7.8 Post ...

...LA Times covers all of Southern California, and developing a relationship with...