In the past, the majority of bomb threats turned out to be hoaxes. Today, that cannot be assumed. Too many of these threats are proving to be all too real.
Businesses and organizations cannot afford to turn a blind eye to this exposure. As a non-standard insurance company, the company perhaps may be even more vulnerable since some of our customer base have criminal records or have credit issues that may make them more desperate.
Travelers Insurance also knows the importance of identifying and preparing for potential safety issues and threats, recommending the development of a business continuity plan which includes: Identify threats or risks Understanding the risks that could leave employees, customers, vendors, property and operations vulnerable is fundamental.
Conduct a business impact analysis Identify the people, places, providers, processes and programs critical to the survival of your business. Adopt controls for prevention and mitigation Prevention and mitigation planning and activities are intended to help prevent an event such as a fire or explosion from unsafe conditions as well as to reduce the impact or severity of an event.
Test and update it regularly. Train employees to understand their role in executing the plan, too. The Tennessee Department of Labor and Workforce Development recommends that all business have a safety program, saying: Experience has proven conclusively that a properly endorsed and administered safety program will reduce both the number and severity of injuries in the workplace.
Consequently, Tennessee in initiated a program to emphasize the promotion of safety and health in the workplace. The provisions of this program encourage every employer to establish and administer a safety program. Injury prevention is perhaps the single most effective method of cost containment; it's also very good business. Nobody wants accidents to happen in his or her business. A serious fire, a permanent injury, or the death of an employee or owner can cause the loss of profit or even an entire business.
To prevent such losses, you don't have to turn your business upside down. You may not have to spend a lot of money, either. You do need to use good business sense and apply recognized prevention principles. There are reasons why accidents happen. Something goes wrong somewhere. It may take some thought and the help of trained people to figure out what went wrong, and develop a plan to prevent future accidents. By having an individual who can analyze current health and safety procedures, identify any possible deficiencies and strategically develop and implement safety plans, as well develop and facilitate training of management and staff.
This will not prevent all accidents, but it can mitigate the severity of those accidents, while also reducing the likelihood of accidents, liability and profit loss.
For example, if there was a fire or natural disaster that shut down the Nashville ROC, is there a contingency plan to temporarily relocate claims, salvage, underwriting and other critical departments? Having to shut down these departments for even a short period of time can have a dramatic affect on customer service, which in the end has a dramatic affect on profits.
Starting a Safety Program A company must decide who is the most appropriate person to manage the safety and health program. Who can insure that the program becomes an integral part of the business? It is my contention that someone who has years of experience in assisting the security of various businesses, who has assisted business, community organizations and individuals conduct vulnerability and safety assessments, who has developing customized safety plans and who has extensive experience in developing and conducting safety and security related training is the most appropriate and ideal person for the job.
For example, in a few short minutes I was able to identify areas in which contingency plans and safety protocols should be in place at not only the Nashville RCO, but all corporate offices. These include: Continuation of Service - If an RCO was shut down for a week or more due to a fire or natural disaster, is there a plan to temporarily divert critical responsibilities to other RCO's, or a plan to relocate critical services temporarily?
Where do people go during a tornado? Are the procedures re-evaluation periodically? Are the procedures publicized to employees and practiced? Bomb Threat Procedures - Are employees trained in how to handle a bomb threat call? Suspicious Package Procedures - Are employees trained in how to recognize and respond to suspicious packages? Do they know who to notify if the find a package they believe is suspicious? Medical Emergencies - Is there a list of who is certified in CPR or who has first responder or first aid training?
Insurance companies are not immune to potentially deadly threats Below is a sampling of incidents that have occurred at insurance companies in the past twelve months: April 3, Federated Insurance was forced to evacuate its buildings in Owatonna on Tuesday afternoon after law enforcement received a bomb threat from an anonymous caller.
August 18, The Greenwood Village offices of Cigna insurance company were briefly evacuated following a bomb threat Monday. October 24, Nearly people were evacuated and several dozen quarantined after a suspicious package was found at a health insurance business in Farmington, Missouri.
November 21, A bomb threat at an insurance office forced the closure of part of West Penn Avenue Route and the evacuation of several businesses and homes Friday afternoon. Being proactive, not reactionary, is the key to not only protecting the company, but the company's assets and its employees. Developing policies and procedures after an accident or a loss will reduce the likelihood of future accidents or losses, but the damage has already been done. As an insurance company, we know the importance of exercising our due diligence and doing everything reasonable to mitigate or prevent accidents and losses before they occur.
As a business we should also know that having a comprehensive program of policies and procedures in place. Of equal importance is having someone with proven experience in analyzing, indentifying and resolving safety issues.
This will not only helps to provide employees and management with peace of mind, it also reduces the risk to the companies bottom line. The supervisor or lead will serve as the safety officer if the designated officer is not present. The safety officer and supervisor will insure the department's employee roster is with them prior to evacuation. The roster will include any known medical conditions and emergency contacts for each member of the department. After evacuating to the exterior of the building, the safety officer will insure that all members of their department gather at the predetermined assembly area.
The safety officer will call roll to insure that every member of their department is present and accounted for. If an employee is not accounted for, the safety officer will immediately notify the safety manager and emergency personnel that an employee is missing and may still be in the building.
Employees will not re-enter the building for any reason until the safety manager or a senior member of management has given the all clear signal. The company fully accepts the obligations placed upon it by the various laws and regulations covering health and safety. The company requires its Chief Executive to ensure that the following policy is implemented and to report annually on its effectiveness.
The purpose of this policy is to establish general standards for health and safety within the workplace and, under the guidance of the Safety Manager, distribute responsibility for the adherence of the policy to all managers, supervisors, and other employees within each department.
The Chief Executive has overall responsibility for the implementation of the company policy. In particular he is responsible for ensuring that the policy is widely communicated and that its effectiveness is monitored.
Directors and Senior Managers 3. These managers are wholly accountable to the Chief Executive for the implementation and monitoring of the policy within the area of their specified responsibility. Safety Manager 3. The Safety Manager is accountable to the Vice President of Human Resources and is responsible for co-ordinating effective health and safety policies and controls across the organisation.
Practice for each aspect of the services within the Company. The company believes that consideration of the health, safety and welfare of staff is an integral part of the management process. Training Course Proposal Template Restaurant Training Proposal Template Training Request for Proposal Template Sales Training Proposal Simple Training Proposal Training Proposal Template Corporate Training Proposal Computer Training Proposal Management Training Example Simple Software Proposal Sample Training Proposal Corporate Training Example However, it is not so much of a problem when the company takes good care of you, ensuring that your well being is prioritized.
Aside from that, if your task puts you in high-risk situations, safety should always be taken into account. Safety and health procedures are vital for the overall well-being of both the employers and their employees. Today, different types of violence in the workplace have been making headlines in the news all over the world. On top of that, we are yet to solve major concerns in health care access considering that the country is known to have the best facilities and the biggest allocated budget for it.
A recent report from the U. In any industry, employers are held accountable to the law for making sure that they keep a workplace safe and healthy for their workforce in the first instance as well as for anyone else who may happen to be on the business premises, such as contractors, clients, customers and other visitors. Employers, therefore, need to take all steps necessary for addressing concerns about health and safety in the workplace, if it means to stay long in the industry, grow and retain its best people.
You may also see proposal templates in a doc. Health and Safety Hazards Hazards in businesses are substances that are deemed to be potentially dangerous for people or behaviors and attitude that can inflict harm or physical injury to another employee.
Employees are vulnerable targets of several hazards in the workplace. These hazards can take the form of infectious diseases being transmitted from one colleague to another, toxic chemicals left exposed and not properly stored, especially in industries that are always working with dangerous substances or gases as part of their job. The risk of improper handling, storage and maintenance are always inevitable, which can subject workers and everyone else present to dangerous exposure.
Industries like these are therefore pressed to comply with specific safety codes and procedures, depending on what the law mandates, in cases of emergency involving a substance or toxic chemicals.
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