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... ' as a strategic technique to accomplish two objectives: To reduce the adverse effects of an organizational loss incident (emergency and/or catastrophe) through risk identification, exposure measurement, loss mitigation, legal compliance and management accountability To ensure an appropriate emergency response capability, crisis training adequacy and restoration strategy within the organization with a primary focus on pre-loss planning and post-loss recovery Crisis 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 and public relations strategy cannot be over emphasized. Finally, a key consideration is an evaluation of the adequacy of insurance and risk funding. 2.4 Crisis Management Strategy Definition Strategy', in the systems context of crisis management plans (involving disaster avoidance, loss mitigation and maximizing recovery), is a structured methodology designed to meet immediate objectives as well as long-term goals. Crisis management strategy entails two equally important and interrelated tasks: ...

... the carrier handles the file. By documenting and being consistent and thorough, you can resolve any situations before they become problems. You might even go so far as to follow a written or system generated renewal review checklist with all renewals. This has two obvious benefits: It establishes consistency and continuity with all renewal activity. (Plaintiff E&O attorneys always try to find inconsistency and damage your credibility.) It provides an excellent training tool for less experienced staff and a quick method for senior staff people to review the work output of those under them. These advantages save time and permit you to have your most technically competent people use their time and experience in the best way. Another area that should be discussed with respect to renewals is restrictive endorsements. A case in point is the pollution exclusion, which has evolved from the 1960s versions of the General Liability policies, in three main phases over the years: No contamination or pollution exclusion Accidental contamination or pollution coverage only (no occurrence coverage, with accident generally defined as a sudden and unforeseen event causing damage) Total exclusion on all contamination and pollution Even though most carriers stamped the policy, added cover notes, or otherwise highlighted the fact that coverage was becoming more limited or totally excluded, more and more agents will probably be brought into contamination and pollution claims for failing to notify clients properly about limitations and exclusions. There are a number of reasons for this: The stakes are so high for potential loss that the attorneys handling this type of claim are going to try to reach much deeper for a source of funds. ...

... Facilitates compliance with air pollution and trip-reduction regulations. The...cities with certain levels of ozone pollution to implement trip-reduction prog...

...ludes certain coverage (example: pollution), should the agent list the excess ...ificate request is to show proof of Pollution coverage, the agent should not i...

...dustry specific Pollution Bonding ... be of interest? [ ] Environmental Pollution    [...

...ation, hazardous chemical spill, pollution abatement, violence in workplace em...servation of established image Pollution exposure management and loss aba...

...rsements. A case in point is the pollution exclusion, which has evolved from t...sponsible for the contamination and pollution loss cleanup might not be the pe...

... in front of you when you call so you can ask all the pertinent questions. If the owner or manager is in, try to get to him or her-but if you are unable, get the name and title and find out when the best time is to call back. If you get a fax number, you can always follow the call up by faxing some information or mail, or dropping off a brochure. 4. For a distressed agency, a seminar type of meeting might not be economically feasible. However, an association offers ways to approach a group. Consider sending a tip sheet' or an unsolicited newsletter or information item to the association's office for insertion in the association newsletter. Offer some free service to the association membership, such as a checklist for employment practices or pollution. This is a way to be very creative and contact a lot of people for very little cost. 5. Faxed solicitations, in my opinion, should be primarily a service to the prospect, such as an employment practices or pollution checklist with a fax response/request form attached. You can always add a byline that identifies you as a restaurant specialist with broad coverage and low rates. People get faxed solicitations all of the time, most of which get tossed. The secret to getting a response is to give them something that can be faxed back. By doing so, you are able to establish the first stage of a relationship with them. This is not a marketing plan in itself, but for an agency in trouble, it sets the stage for one. Just ...

... 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 program generally experienced more positive changes in their personal and work relationships than did the members of the control group. Helps recruitment of in-demand workers. Telecommuting removes geographical barriers - you can hire the most qualified workers, no matter where they're located. And as more companies permit telecommuting, you'll probably find that offering telecommuting becomes a competitive necessity. May reduce the cost of disability leave. Telecommuting may help injured workers stay productive or ease back into the workplace while they recuperate. Facilitates compliance with air pollution and trip-reduction regulations. The federal Clean Air Act Amendments of 1990 require cities with certain levels of ozone pollution to implement trip-reduction programs. Employers with more than 100 workers at a site in these cities must take steps to reduce employee commutes. In addition, many states and localities, such as the San Francisco Bay area, have their own trip-reduction mandates. Reduces absenteeism. Pacific Bell found that telecommuting workers 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, ...