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... 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 codes 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 ... 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 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 occur Severity Relates to magnitude of loss, including: life, assets, ...

...e Valuables on display and in transit Computer - software and hardware ...