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... ranking, refer to subsection 4.4, Loss Magnitude Category Rankings' for details concerning the three proposed levels of assessed severity. In the true sense of business impact analysis such items as competition, product failure, hostile stock takeover, hostile competition via patent infringement and adverse labor relations are factors to be considered but they are not necessarily applicable to the risk management spectrum. Other items such as regulatory activity have an impact on the business analysis including, but not limited to the Environmental Protection Act (EPA) and the Occupational Safety and ... 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 such as hostile takeover, product extortion, product contamination, product recall, pollution, limited resource interdependency, government regulatory problems, destructive union and strike activities as well as hostile media situations. 4.3 Evaluating Crises Exposures In the process of evaluating crises exposures, a determination concerning estimated probability of crises loss should be developed concerning the following factors: Frequency Measurement of how often a particular type of loss may ... 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 ...

...ia patent infringement and adverse labor relations are factors to be considere... on-going exposure to such regulations and to assure compliance where required.