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... 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 - software and hardware Off-site record storage Accounts receivable Retroactive building ... compliance Automatic sprinkler leakage Debris removal Crime Exposures Burglary and robbery Cash - on and off premises Checks and securities Employee fidelity Forgery and embezzlement Workers Compensation Exposures Applicable state regulations States operating via monopolistic fund Agriculture and domestic workers activities Marine activities Longshoremens' and Harbor Workers Act 6.2 Legal Compliance Considerations Federal, state and local governments are continually increasing the number of requirements and prohibitions under which businesses must operate. Failure to comply with them can lead to fines, enforcement proceedings and lawsuits by the regulators that can severely impair a company's ability to conduct ... risk-bearing capacity of the organization. For example: fire at a production location that does not result in significant asset loss or business interruption. Other examples include an accident involving a company vehicle resulting in injuries and establishment of disability reserves or adverse legal judgement in a product liability case. Magnitude II A Magnitude II loss can be defined as one with a significant impact of life safety, revenue and existing assets, but without the major threat to the financial stability Of the organization. For example: a major fire resulting in significant damage ...

... Contractual Professional - errors and omissions Directors and Officers legal liability Property and All Risk Coverage Exposures Real ... on-going exposure to such regulations and to assure compliance where required.

...ntal Impairment, Public Officials Errors & Omissions, Motor Truck Cargo, and Railroad Protective. These people are considered experts in their field and can assist you in putting together the...in the long run for you, your clients, and your agency.