Serious Trouble With the National Flood Ins. Program
Recovery Diva
OCTOBER 19, 2024
Helene and Milton spotlight a federal flood insurance program drowning in debt.
Litigating Insurance Claims After a Disaster
Disaster Zone Podcast
SEPTEMBER 5, 2023
When disasters strike, we expect that our property insurance provider will cover our losses. Sometimes, the insurance company and the insured person(s) don’t agree on the settlement amounts being offered by the insurance company. Evan worked for and defended insurance companies during the first 7 years of his practice.
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Comment re flood insurance
Recovery Diva
OCTOBER 20, 2021
Reply from Jerry Quinn to the previous posting: Congress & the Executive branch are responsible for all hazards/risks. Their best & brightest can’t/don’t control hazards/risks brought on long ago by federal actions and decisions. Corporations and businesses already write off the costs of risk insurance premiums.
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More on Hazard Insurance
Disaster Zone
AUGUST 29, 2023
This is what is happening and likely will happen more in the future.
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Disaster Damage Prediction Using AI and Aerial Imagery
Disaster Zone Podcast
NOVEMBER 1, 2022
With the advent of climate change impacts now becoming very evident via the size and frequency of disasters, it is the insurance industry that is taking notice. They cannot depend on what losses have been for decades to project into the future about what their losses might be for the properties they insure.
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130 5 Best Practices for Effective Claims Reviews
Risk Management Monitor
SEPTEMBER 21, 2021
With the cost of insurance for businesses rising across many types of coverage, staying on top of trends in the claims portfolio is more important than ever. For this reason, many insurers and TPAs promise to conduct claims reviews with their business customers on a regular basis, but the rigor can vary greatly.
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ESS Presentations at NFPA C&E Address a Wide Range of Issues, Including the Hazards They Present and Tactical Approaches for Mitigation
National Fire Protection Association
JUNE 20, 2023
An NFPA Journal article, “ESS Prep,” by Angelo Verzoni highlights improved ESS training and regulation as keys to a safe coexistence with this evolving and complex hazard. This panel discussion offers perspectives from manufacturers, AHJs, FPEs/consultants, developer/installer/maintainers, and insurance and fire service.
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Risk Management as a Career: A Guide for BCM Professionals
MHA Consulting
AUGUST 24, 2023
As a reminder, risk management is the process of understanding the hazards facing an organization and taking steps to bring them to within a level determined to be acceptable by the senior leadership. It’s not about eliminating risk completely but managing it in a rational, informed way. Reducing risk. Transferring risk. Accepting risk.
Vendor Onboarding Best Practices: Reducing Risk from Day One
Reciprocity
FEBRUARY 12, 2025
Insurance certificates confirm protection. The platform automatically analyzes risks and identifies potential hazards, letting your team focus on strategic decisions rather than administrative tasks. Financial records demonstrate stability. Security policies reveal maturity. As your business grows, ZenGRC grows with you.
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Adapt or Fail: Climate Change Resilience for Organizations
everbridge
MARCH 6, 2023
The current systems and solutions in place for managing climate hazards are often inadequate, and the reliance on traditional insurance has become insufficient. The Insufficiency of Traditional Insurance Organizations often rely on insurance providers to provide protection against the impacts of extreme weather events.
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Hurricane Preparedness Tips
everbridge
OCTOBER 7, 2024
Hurricanes are powerful storms that bring life-threatening hazards to people living in both coastal and inland communities. Though you may first think of wind when envisioning a hurricane, water hazards are historically the deadliest. Regardless of your route make sure that your destination provides protection from hurricane hazards.
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Research Foundation 40th anniversary webinar series recordings now available
National Fire Protection Association
SEPTEMBER 17, 2022
Global Fire data standardization Insurance Data – openIDL CRAIG 1300TM National Firefighter Cancer Registry. Day 2 program: Webinar recording Hazards of New Materials and Systems. Fire Safety Challenges of Green Buildings Energy Storage Systems Hazards of Modern Vehicles in Parking Structures.
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PREPARING COASTAL BUSINESSES FOR THE BIG 3 - #2 EARTHQUAKES
CCEM Strategies
OCTOBER 7, 2020
According to the Insurance Bureau of Canada , over 60% of British Columbians live in a region where some of the largest earthquakes in the world occur. What can you do to mitigate hazards? By assessing earthquake-related hazards, you can plan and take advance action to limit the damage earthquakes may cause to your business.
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Register to attend free Research Foundation 40th anniversary webinar series
National Fire Protection Association
AUGUST 10, 2022
Global Fire data standardization Insurance Data – openIDL CRAIG 1300TM National Firefighter Cancer Registry. ET Hazards of New Materials and Systems. Fire Safety Challenges of Green Buildings Energy Storage Systems Hazards of Modern Vehicles in Parking Structures. Data Collection and Data Analytics to Inform Policy.
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Is Your Community Prepared for Flooding?
CCEM Strategies
MAY 11, 2023
Flooding is one of the most common, pervasive, and costliest natural hazards in Canada , with a history of causing major disasters. Recovering from flooding can be challenging, particularly as insurance coverage may be limited, extraordinarily costly, or unavailable depending on the type of flooding (i.e.,
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Risk Management Process- Part 1: Overview
Zerto
APRIL 6, 2023
For risks that fall outside this category, business leaders can deploy several risk control measures such as diversification, purchasing insurance, upgrading IT equipment, training employees, designing effective systems, and deploying security measures, among others. These shifts can affect an organization’s risk appetite and tolerance.
The road to EV safety requires a robust infrastructure
National Fire Protection Association
NOVEMBER 2, 2022
NFPA has been committed to addressing potential fire hazards posed by EVs for some time, offering in-person and online trainings that teach first responders how to safely and effectively mitigate EV incidents. To date, NFPA has helped educate more than 300,000 first responders on this emerging hazard.
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The Different Types of Risk Assessment Methodologies
Reciprocity
SEPTEMBER 9, 2024
After identifying hazards and vulnerabilities, consider how they are harmful and the possible outcomes. The assessments should always include all potential hazards and new risks. These inspectors can survey employees and stakeholders to identify potential hazards, such as ergonomic injuries or air quality concerns.
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Transforming Disaster Management: The Promise and Challenges of AI in Wildfire Damage Assessment
National Center for Disaster Prepardness
FEBRUARY 7, 2025
This manual process requires assessors to physically visit each site, which can be time-consuming, dangerous, labor-intensive, and subject to human error, particularly in areas with severe destruction or hazardous conditions.
Getting Started with Enterprise Risk Management
MHA Consulting
MARCH 14, 2024
Enterprise Risk Management is the activity of identifying and mitigating the hazards that threaten an organization (definition from Strong Language: The MHA Glossary of Essential Business Continuity Terminology , available for free download with registration). ERM provides a framework for doing this in a systematic, results-oriented fashion.
Risk Assessment vs Risk Analysis
Reciprocity
APRIL 4, 2022
Various types of hazards must be considered. After identifying hazards and risks, consider how they are harmful and the possible outcomes. This means that risks presenting a higher threat must receive more comprehensive control measures than lower-risk hazards. Economic risk. Operational risk. Third-party risk. Quality risk.
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Increasing the Pace and Scale of Community Wildfire Mitigation
National Fire Protection Association
AUGUST 3, 2022
The increased funding for hazardous fuel in the Bipartisan Infrastructure Law, the U.S. Outthink Wildfire is a comprehensive NFPA policy initiative launched with the aim of fostering collaboration, promoting policy change, and to help communities better withstand the impact of wildfires.
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Developing an inclement weather policy to protect employees
everbridge
JULY 18, 2024
While OSHA (Occupational Safety and Health Administration) “does not have a specific standard that covers working in cold environments, employers have a responsibility to provide workers with employment and a place of employment which are free from recognized hazards, including winter weather-related hazards.”
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Staying Prepared for an Approaching Storm
Disaster Recovery
JULY 12, 2019
Purchase insurance for your property, including coverage that protects against flood damage. for safety hazards. Repair damaged sewages as soon as possible to avert health hazards. Claim insurance for damage to your residence. Pre-Storm Preparation. Test the working of generators with sufficient loads.
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The hidden costs of shadow IT: How unsanctioned tech impacts your budget
Online Computers
DECEMBER 21, 2023
Using unauthorized laptops illustrates the hazards of shadow IT within a company. Shadow IT can lead to noncompliance with the Health Insurance Portability and Accountability Act (HIPAA) or the Gramm-Leach-Bliley Act (GLBA) , resulting in large fines and legal issues. This data breach led to Horizon BCBSNJ paying $1.1
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Strategies for Digital Risk Protection
Reciprocity
APRIL 4, 2022
Any hazards associated with cloud architectural changes, the use of new platforms such as IoT devices, or new IT systems can lead to digital risk. This refers to all risks introduced by service providers and third parties working with your enterprise. This could include data breaches, intellectual property theft, and financial data theft.
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A higher standard of ‘duty of care’ for business travel
everbridge
AUGUST 4, 2023
What are the ways in which you meet specific requirements for protecting business travelers, including security training and preparation, kidnap and ransom insurance, and evacuation protocols? We have a wealth of experience in successfully extracting travelers from scenes of crisis, outbreak of war, or other life-threatening incidents.
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5 Steps to Implement Enterprise Risk Management (ERM)
Reciprocity
AUGUST 18, 2022
Passing or sharing the risk via insurance, joint venture, or another arrangement. Identified risks are analyzed to assess both their likelihood and hazard potential. The two fundamental components of ERM are (1) the evaluation of significant risks, followed by (2) application of adequate responses. Prevention or termination of a risk.
5 Steps to Implement Enterprise Risk Management (ERM)
Reciprocity
MARCH 28, 2022
The reactions to risk include: Acceptance or toleration of a risk; Prevention or termination of a risk; Passing or sharing the risk via insurance, joint venture, or another arrangement; Mitigating or reducing the risk by internal control procedures or other risk-prevention measures. Risk Assessment. Risk Response.
How to Strengthen Your Safety Program and Cut Workers Compensation Costs
Risk Management Monitor
JULY 26, 2022
Onboarding new employees means taking the time to acclimate them to how your business operates in terms of safety procedures, jobsite dos/don’ts, and any potential hazards. During their time together, the veteran employee can discuss safety concerns and identify potential hazards. Practice Makes Perfect.
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IRM, ERM, and GRC: Is There a Difference?
Reciprocity
AUGUST 24, 2022
Not long ago, risk managers concerned themselves mainly with hazards such as fires and floods; or in the financial sector, loan defaults (credit risk). Organizations typically bought insurance to avoid the losses these risks could cause, thus “transferring” the risk to the insurance company.
Recovery in the Aftermath of a Hurricane
Risk Management Monitor
NOVEMBER 9, 2022
They may be contaminated by agricultural or industrial chemicals, or hazardous agents. It is important to photograph and document all damage and notify your insurance agent as soon as possible. Similarly, avoid wading in floodwaters. Then you can proceed to make temporary repairs to protect the building and its contents.
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Unprecedented Wildfires Devastate Canada, Leave Eastern U.S. Blanketed in Smoke
Risk Management Monitor
JUNE 9, 2023
During the first week of June, New York had the worst air quality on Earth, and the air quality reached hazardous levels in Philadelphia and Washington, D.C. While it has begun to clear in the Northeast, the fires are ongoing and the air quality may continue to change in the days and weeks to come.
Racial Disparities and COVID-19
National Center for Disaster Prepardness
MAY 13, 2020
Despite being deemed essential workers, many are not provided with personal protective equipment (PPE), hazard pay , or in many cases union protections. Compounding this, African Americans and Latinos on average have lower insurance coverage rates.
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Everything You Need to Know About Business Continuity Plans
Erwood Group
JULY 12, 2022
Insurance Contact Information. This is also a method similar to that in emergency management as All-Hazard planning. Business Continuity Planning Committee. Plan Revision Tracking and Approval. Key Contact Information. Internal Contacts. External contacts. Key Vendor Contact Information. Other Key Service Provider Contact information.
5 Steps To Developing A Corporate Compliance Program
Reciprocity
DECEMBER 19, 2022
You must assess the efficacy of your company’s compliance program and identify potential hazards. Include a method for workers to report compliance problems and fraudulent or illegal activities anonymously and without fear of reprisal. Set up a mechanism for monitoring and auditing. Maintain steady discipline.
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The New Normal
BCP Builder
APRIL 20, 2020
An impacts-oriented all-hazards approach will be worthwhile planning going forward (as it has been in the past). I think that Business Continuity Certification will be made mandatory by Insurance Companies and Banks. Loss of “the big 4”: people, building, infrastructure (IT/apps), third party/supplier.
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The New Normal
BCP Builder
APRIL 20, 2020
An impacts-oriented all-hazards approach will be worthwhile planning going forward (as it has been in the past). I think that Business Continuity Certification will be made mandatory by Insurance Companies and Banks. Loss of “the big 4”: people, building, infrastructure (IT/apps), third party/supplier.
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Third-Party Due Diligence Best Practices
Reciprocity
OCTOBER 7, 2024
For example, your human resource department possibly links to healthcare insurance providers using a web-based application. Nevertheless, if third-party vendor relationships are poorly managed, they can expose businesses to several hazards. The difficulties arise when you start drilling down further.
What is Business Continuity?
Erwood Group
JULY 7, 2022
One client recently obtained a $500 Million dollar increase in insurance coverage with zero increase in premium costs. This was done based on the Business Continuity Plans and Program developed after meeting with the insurance providers and providing details of the program and progress made. Location of fire risers and standpipes.
A Resilience Charter
Emergency Planning
MARCH 23, 2022
Safety’ refers to protection against major hazards such as storms, floods and industrial explosions. It is the responsibility of all citizens to consider, as far as they are able, their relationship with hazards and threats. Security’ involves protection against major threats, such as terrorist activity. Plans should be networked.
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Business Continuity Guide for Smaller Organizations
Stratogrid Advisory
JUNE 3, 2020
An added benefit to a more resilient organization will be lower insurance rates These are just a few examples. Insurance companies assess risks to determine the insurance premiums they will charge. Investment firms assess risks to determine where and how to invest their client's money.
Business Continuity Guide for Smaller Organizations
Stratogrid Advisory
JUNE 3, 2020
Business insurance needs – some business interruption policies are requiring organizations to implement business continuity programs. An added benefit to a more resilient organization will be lower insurance rates. Insurance companies assess risks to determine the insurance premiums they will charge. ARTICLE SECTIONS.
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