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...rance agents can be the safety and loss-control managers for these employers. ...proactive missionaries for safety and loss prevention. Imagine, we could have 20,000 m...

... Inappropriate use might result in loss of access privileges and disciplinary ...race, national origin, sex, sexual orientation, age, religious beliefs, or pol...

...mp;O program continuously. Monitor loss prevention through vigilant observation. Suppo...ire new employees and give them an orientation and introduction to the agency,...

... I CRISIS MANAGEMENT INTRODUCTION SECTION 1.0 FREQUENTLY MISSING RISK MANAGEMENT SEGMENT 1.1 Risk Management Program Void All too frequently, creative risk and insurance management programs lack the vital, but elusive, Crisis Management Plan segment. Even when logical, proven risk and insurance management techniques and effective loss control activities are utilized, crises must still be anticipated. Many major organizations devote from one to ten percent of gross revenue to annual expenses of insurance purchasing, risk funding and loss control as well as internal and external risk management administrative activities. In addition there ... Step 6: Make Plans to Avoid Another Crisis Immediately (In) Conclusion: We all know that crises are a normal part of our private lives. Managers must realize that the same is now true for organizations. Unfortunately, the short-term orientation of most managers today prevents them from acknowledging the risk to every organization. An anti-terrorist task force for the World Trade Center told the Port Authority eight years before the devastating blast in February 1993 that the center's parking garage was vulnerable to a bomb attack and should be closed to the public ... according to press reports following the blast) . Ignoring the advice of experts ended up costing peoples' lives, millions of dollars, and the disruption of hundreds of businesses. Getting senior managers to pay attention may be the most important part of crisis communication before rather than after a crisis develops. 2.6 Reliance on Effective Business Practices The Crisis Management Plan places major reliance on effective business practices including Total Quality Management (TQM), decision analysis concepts and comprehensive contingency planning. The risk and insurance management program should include the crisis management plan ...

...anagement techniques and effective loss control activities are utilized, crise...ing lost operating time Pollution loss reduction Reduction of exposure...

... various disasters might affect more than just your office building, you should have several temporary locations in your plan. WE ALL NEED POWER Access to your agency might be useless if you can't do anything once you get there. In the event of a disaster, a loss of power might affect a wide area and could be the most serious problem you have to face. When an ice storm hit upstate New York in 1998, the weight of the ice knocked down many power lines for more than a week. Having planned ahead ... time. However, I suggest that you also have a backup plan. A disaster can knock out cell towers, as well as landlines. Also, if traditional phone service is knocked out over a large area, everyone might be using cell phones, which might prevent you from connecting consistently. When putting your plan together, contact your phone service provider to see if you can sign up to pay for any special disaster plans. In many cases you might be able to subscribe to a service that puts your agency's lines on ... is ready to play their role. You might want to publish the plan, either in printed form or on an agency intranet site. You'll probably hold a meeting or training session and test the plan. You should also introduce the plan to new employees during their orientation and training. YOU CALL THAT A DISASTER? After assembling your team, the next step is to consider what type of disasters you might confront. It's easy enough to imagine dramatic natural disasters such as fire, floods, earthquakes, hurricanes, and tornados. ...

... efforts to develop above-average levels of productivity and profitability. People are your greatest assets and yet they are also the greatest expense in the agency. Turnover and/or reduced efficiency due to the discontent of one or more persons can literally make the difference between profit and loss and, in some instances, success and failure. One of the principal characteristics of thriving agencies in these tough times is that the owners are consciously focusing on employee relations. It takes constant attention, creativity, and lots of luck to build and maintain an ... when the agency has from five to seven people. By the time the head count has reached nine or ten, the owners/managers must spend a considerable amount of time on personnel issues. If a significant portion of the available time is allocated to feedback and prevention, the agency team will continue to function relatively smoothly through subsequent growth plateaus. These are the firms that are consistently operating with $100,000 or more in revenues per employee and pro-forma profit margins exceeding 15% . In most agencies, however, the ... combination of factors. This article presents the major elements that seem to be present in those firms that have been successful in establishing and maintaining that elusive team spirit. How you implement them will depend upon your own management philosophy as well as the agency's location, business orientation, and access to the right personnel. INGREDIENTS FOR A TEAM-ORIENTED ENVIRONMENT Physical Setting: The layout of the office and the availability of modern equipment can greatly influence productivity and attitude. Frustration at having to walk a long distance to stand in line at a fax ...

... the Company's electronic communications systems for private business activities, personal, or amusement/entertainment purposes. Employees are reminded that the use of corporate resources, including electronic communications, should never create either the appearance or the reality of inappropriate use. Inappropriate use might result in loss of access privileges and disciplinary action, up to and including termination. Proper Usage Employees are strictly prohibited from using Company computers, e-mail systems, and Internet access accounts for personal reasons or for any improper purpose. Some specific examples of prohibited uses include, but ... in discipline of both the authorized user and the person receiving the password, up to and including termination. If users need to share computer resident data, they should use message-forwarding facilities, public directories on local area network servers, and other authorized information-sharing mechanisms. To prevent unauthorized parties from obtaining access to electronic communications, users must choose passwords that are difficult to guess (for example, not a dictionary word, a personal detail, nor a reflection of work activities) . No Expectation of Privacy Employees should expect that the Company ... access all information created, transmitted, downloaded, received, or stored in Company computers at any time, without prior notice. Employees should not assume that they have an expectation of privacy or confidentiality in such messages or information (whether or not this content is password-protected), or that deleted messages are necessarily removed from the system. No Default Protection Employees are reminded that Company electronic communications systems are not encrypted by default. If sensitive information must be sent by electronic communications systems, encryption or similar technologies to protect the data must ...

...ere. In the event of a disaster, a loss of power might affect a wide area and ...rom Marsh, which experienced terrible losses in the collapse of the World Trad...

...ompetition nontraditional means of loss transfer. Social Commitment: Active i...lated matters, like safety, claims prevention, adequacy of insurance (Home, Li...