Active Shooter Incidents

Size: px
Start display at page:

Download "Active Shooter Incidents"

Transcription

1 Active Shooter Incidents Preparedness Survival Workplace Safety CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited 2017 CUNA Mutual Group, All Rights Reserved.

2 Michael A. Petrone Risk & Compliance Consultant CFE, CFSA, CUSFE & Certified ALICE Instructor CUNA Mutual Group #1 Active Shooter Civilian Response Training for all Organizations 2

3 Active Shooter. Definition: Individual actively engaged in killing or attempting to kill people in a confined and populated area United States Department of Homeland Security #

4 Active Shooter Incidents 2017 deemed deadliest year for mass shootings in modern history. Two of the five deadliest mass shootings in US history occurred in the span of 35 days. The Las Vegas concert and Texas church. Most recent Active Shooter incident was at the Washington Post. 98% of the time there is only 1 shooter. 4

5 Helping you make confident decisions Understanding trends Committed to training Procedures in place Technology considerations 5

6 ALICE Training Course A C Proactive approach L Alert Initial Awareness Lockdown Traditional lockdown procedures plus i Counter purpose, when to counter & distraction E Evacuate Purpose & best practices Assumes every event is not the same Not sequential Focused on increasing odds of survival Inform Pass on real-time info & how to inform 6

7 Very different reactions Robbery Remain calm Follow instructions exactly Don t over react Hostage Remain calm Be polite and cooperate with the captor Do not attempt to escape unless there is an extremely good chance of survival 7

8 Occur unexpectedly at Work factories, office spaces, work-related functions Retail establishments malls, theaters, restaurants School grade schools, campuses Gathering spots churches, outdoor events, sports Active shooter incidents #

9 What motivates an active shooter? Revenge Anger Ideology Untreated mental illness Difficult to fully determine. 9

10 Disgruntled spouse, partner or family member Individuals who threaten or stalk employees Strangers Members Troubled or violence-prone co-workers or ex-employees Types of offenders #

11 Depression and/or withdrawal Increased severe mood swings Suicidal indications, comments about putting things in order Empathy with individuals who commit violence Increase in unsolicited comments about firearms Explosive outbursts of anger or rage without provocation, blatant insubordination Warning signs of an employee becoming violent #

12 Shots fired. Unpredictable. Evolves quickly. It is a chilling call; yet, one that has become more common in our everyday lives. Preparing is like trying to teach instinct. #

13 Active Shooter Preparedness 61% communication plan in place 79% feel a little bit or not prepared 61% never run a drill to test Source: Everbridge, Active Shooter Preparedness Research Report, July

14 Protection keys for peers, members & yourself Preparedness Awareness 14

15 Establish policy and procedures Continuously review, update and drill procedures Set realistic emergency and evacuation plans by location Identify strategies to safely exit or hide within the building Have primary and secondary exit plans Be familiar with floor plans Identify exit doors and hiding places / locking rooms Consider objects that might aid in your defense Active Shooter Policy and Procedures #

16 Address how to share information with employees Buffer those affected from post-event stress Bring in crisis response professionals Active Shooter Policy and Procedures #

17 Create an Emergency Action Plan Identify scenarios and train staff on response procedures Develop expectations from first responders Be prepared to recover from an actual incident Preparing for an Active Shooter Incident #

18 Responding to an Active Shooter The Best Message Is Often The Simplest Run First priority should be to get away from the shooter. Hide If unable to safely evacuate the path of an active shooter fortify position, avoid detection, and wait for law enforcement. Fight As a last resort, and only when your life is in imminent danger, attempt to incapacitate the shooter with physical aggression. 18

19 Accurately and quickly assess your situation Avoid denial or overreaction Gunfire have many sounds take sound seriously Continually react and assess the situation as it develops Initial Awareness #

20 Pass along real-time information Provide a continuous alert that answers the What, Where, When, Who, How Use plain language when informing others of danger. Code words or specialized jargon can cause confusion and leave people wondering what to do. Typical communication methods PA system Phones Radios Discuss other technology methods that can work at your credit union. #

21 Information to provide law enforcement or 911 Location and number of shooter(s) Physical description of shooter(s) Number and type of weapons held by shooter(s) Number of potential victims at the location 21

22 Run Which doors will you use? Are there connecting rooms? Is exiting through windows an option? Do other alternate escape routes exist? Do not pull fire alarm Run in zig-zag patterns Plan in advance and think on your toes #

23 When evacuating Call 911 only when it is safe Take any action necessary to evacuate Avoid elevators Leave personal belongings behind Use non-traditional escape routes Meet at a designated rally point Practice evacuation drills at each location. #

24 Secure and barricade the door Hide Silence phone Spread out within the room do not huddle Look for alternate escape routes such as another door or window Do not open the door for anyone Dial 911 when safe to do so if you cannot speak, leave the phone line open to allow the 911 dispatcher to listen Fortify your position #

25 Know when to fight Always optional The decision is yours and yours alone to make Don t go looking for danger Only fight when the intruder makes contact with you and you have no other option The last resort Only fight when you do not have option to run or hide 25

26 If you decide to fight Timing is critical Take action immediately Practice / prepare Countering is a component of fighting to: interrupt thought process of active shooter, confuse and disorient force different decisions prevent or delay actions All humans respond automatically to an unpredicted stimulus 26

27 Interrupting the process of shooting accurately Target acquisition Sight picture / sight alignment Trigger control Stance Grip Breathing 27

28 Overpower the armed aggressor / strength in numbers You can act faster than the intruder can react You may cause pain which may work to your advantage. Remember, all actions are justified in stopping the intruder The fight is on! #

29 Law Enforcement Response Law enforcement is there to neutralize or eliminate the immediate threat; not to provide medical care #

30 Remain calm and follow instructions immediately Put down anything, leave belongings, keep hands visible to responders and spread fingers Do not make sudden movements Avoid pointing and screaming Do not stop to ask officers for help Evacuate by following instruction or simply proceed to the area the first responders came from Reacting to First Responders #

31 Address victims and families Account for all individuals at designated rally point Assist with victim identification Notify the family members Procure counselors for employees and families Develop an action plan to handle concerns about returning to work Incident Recovery Considerations #

32 Train employees Recognize an active shooter or the sounds of an active shooter Know the steps to take to protect yourself Be aware of procedures to contact emergency personnel How to respond to first responders Understand your facility s Emergency Action Plan along with maps highlighting escape routes and potential secure areas to hide 32

33 6Technologies to consider Secure entry bullet-resistive vestibule that scans you for metal weapons Tiles bullet-resistive decorative tiles that you can install anywhere Whiteboard bullet-resistive whiteboard to hide behind Shooter detection - alarm system that can detect gun fire Bullet-resistive door bullet-resistive door to protect you if you barricade E Alerts - software on phone / computer to communicate information 33

34 Tourniquet Emergency trauma dressing Compressed gauze Gloves Trauma shears Instruction cards Automated External Defibrillator First aid kit #

35 Safety items to consider: Rope ladder Wasp spray (can spray up to 40 ) Cable ties Rubber door stop Binders Hammer Lockable doors Intruder defense system 35

36 Rise Above The Risk Active Shooter Incidents Planning, preparation and training is critical Consider all branch locations and collaborate with local law enforcement Do everything to enhance people s safety employees are your most valuable asset Be familiar with the building evacuation routes Know your capabilities run, hide, fight Maintain situational awareness Respond accordingly #

37 30 Risk & Compliance Focus Emerging Risks CU Operations Internal Controls Employment Practices Security Physical Security Cybersecurity Lending Consumer Lending Indirect Lending Business Lending Real Estate Lending Payment/Deposit Consumer Payments Funds Transfer / ACH Deposit Account Services Evolving Regulatory Landscape 30 37

38 Q & A 38

39 Looking for additional assistance CUNA Mutual Group Risk & Protection Response Center Select you re a credit union, then choose option 4 riskconsultant@cunamutual.com Ask a Risk Manager interactive form 39

40 Information provided in this resource / presentation, including all materials, should not be construed as legal services, legal advice, or in any way establishing an attorney-client relationship. Credit unions should contact their own legal counsel for advice. Information may have changed since this presentation/resource was prepared. This information is intended to only be a summary and is not all inclusive. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Insurance products offered to financial institutions and their affiliates are underwritten by CUMIS Insurance Society, Inc. or CUMIS Specialty Insurance Company, members of the CUNA Mutual Group. Some coverages may not be available in all states. If a coverage is not available from one of our member companies, CUNA Mutual Insurance Agency, Inc., our insurance producer affiliate, may assist us in placing coverage with other insurance carriers in order to serve our customers needs. For example, the Workers Compensation Policy is underwritten by non-affiliated admitted carriers. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. This summary is not a contract and no coverage is provided by this publication, nor does it replace any provisions of any insurance policy or bond. Please read the actual policy for specific coverage, terms, conditions, and exclusions. CUNA Mutual Group 2018 All Rights Reserved.

Crisis Solution. Active shooter attacks: be prepared

Crisis Solution. Active shooter attacks: be prepared Crisis Solution Active shooter attacks: be prepared Active Shooter (AS) and Marauding Terrorist Firearms Attacks (MTFAs) The threat of AS/MTFAs is now part of our daily lives. There are many different

More information

Pro-Active Shooter Preparedness. 22nd Annual CUNA HR/TD Council Conference Orlando, Florida

Pro-Active Shooter Preparedness. 22nd Annual CUNA HR/TD Council Conference Orlando, Florida Pro-Active Shooter Preparedness 22nd Annual CUNA HR/TD Council Conference Orlando, Florida Agenda What is an Active Shooter? Employer Considerations Employee Training Awareness Definitions Active Shooter:

More information

Active shooter and assailant

Active shooter and assailant 9 February 2017 Active shooter and assailant Meeting the evolving terrorist threat Presented by: Nigel Basham and Oliver Lombard Who are Special Contingency Risks?» Established leader in people risk insurance

More information

Aligning Risk Management with CU Business Strategy

Aligning Risk Management with CU Business Strategy Aligning Risk Management with CU Business Strategy Managing your most pressing risks CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited 2016 CUNA Mutual Group, All Rights

More information

Emergency Preparedness

Emergency Preparedness Emergency Preparedness For Design Firms DPLE 244 November 21, 2018 1 RLI Design Professionals is a Registered Provider with The American Institute of Architects Continuing Education Systems. Credit earned

More information

Weapons in the Workplace in the Age of the Active Shooter

Weapons in the Workplace in the Age of the Active Shooter Weapons in the Workplace in the Age of the Active Shooter Presented by: C. Eric Stevens, Esq. Littler Mendelson, P.C. 333 Commerce St., Suite 1450 Nashville, TN 37201 615.383.3316 estevens@littler.com

More information

ACTIVE SHOOTER AND VIOLENT ACT COVERAGE weapons include any firearm,

ACTIVE SHOOTER AND VIOLENT ACT COVERAGE weapons include any firearm, WVA WoRKPLACE VIOLENT ACT ACTIVE SHOOTER AND VIOLENT ACT COVERAGE weapons include any firearm, vehicle, device, instrument, material or substance + CRISIS MANAGEMENT RESOURCE DEsigned BY Professional Liability

More information

Outsource Practices & Policies

Outsource Practices & Policies Outsource Practices & Policies Emergency Action Plan Regional Office Ft. Myers, Fl Purpose is dedicated to the protection of its employees from emergencies such as tornadoes and fires. When emergencies

More information

Beazley Deadly Weapons Protection. Eliminating the risk of a malicious attack is impossible but preparing for one is essential.

Beazley Deadly Weapons Protection. Eliminating the risk of a malicious attack is impossible but preparing for one is essential. Eliminating the risk of a malicious attack is impossible but preparing for one is essential. In the modern world, threats come from many sources. One of the most difficult to defend against is the incursion

More information

Disaster Preparedness Information

Disaster Preparedness Information Disaster Preparedness Information What would you and your family do if you had only a short time to evacuate your home? Table of Contents Page The Need 2 Develop a Family Disaster Plan 2-3 Prepare a Disaster

More information

ACTIVE SHOOTER COVERAGE:

ACTIVE SHOOTER COVERAGE: NOVEMBER 2018 MARYLAND ACTIVE SHOOTER COVERAGE: EYEING THE MARKET 6 TIPS FOR EMPLOYEE ONBOARDING MEDICAL MARIJUANA AND WORKERS COMPENSATION Reprinted with permission from Insurance Agents & Brokers. 2018

More information

COUNTY OF MONTEREY County Administrative Office Human Resources and Employment Services Division Office of Risk Management and Benefits

COUNTY OF MONTEREY County Administrative Office Human Resources and Employment Services Division Office of Risk Management and Benefits COUNTY OF MONTEREY County Administrative Office Human Resources and Employment Services Division Office of Risk Management and Benefits Workplace Violence Policy Full Revision 02/05/2010 IIPP 32.0-1 COUNTY

More information

A Different Take on Money Management

A Different Take on Money Management A Different Take on Money Management www.simple4xsystem.net Anyone who read one of my books or spent time in one of my trade rooms knows I put a lot of emphasis on using sound Money Management principles

More information

921 Ribaut Rd. Business Technologies Division Beaufort, SC Building 14, Room 114 Phone: ACC 150 PAYROLL ACCOUNTING

921 Ribaut Rd. Business Technologies Division Beaufort, SC Building 14, Room 114 Phone: ACC 150 PAYROLL ACCOUNTING Technical College of the Lowcountry Kristy Ellison 921 Ribaut Rd. Business Technologies Division Beaufort, SC 29901 Building 14, Room 114 Phone: 843.525.8295 kellison@tcl.edu ACC 150 PAYROLL ACCOUNTING

More information

Magnus Littmarck. Director of Estates and Facilities

Magnus Littmarck. Director of Estates and Facilities Magnus Littmarck Director of Estates and Facilities Estates buildings, physical environment Janitor service Reception/switchboard Shop/printing Security Bild 1 Bild 2 CRISIS Bild 3 KRIS Bild 4 SECURITY

More information

THAMES VALLEY DISTRICT SCHOOL BOARD COMMUNITY USE OF BUILDINGS, FACILITIES AND EQUIPMENT (RENTAL PERMITS) TERMS AND CONDITIONS

THAMES VALLEY DISTRICT SCHOOL BOARD COMMUNITY USE OF BUILDINGS, FACILITIES AND EQUIPMENT (RENTAL PERMITS) TERMS AND CONDITIONS THAMES VALLEY DISTRICT SCHOOL BOARD COMMUNITY USE OF BUILDINGS, FACILITIES AND EQUIPMENT (RENTAL PERMITS) TERMS AND CONDITIONS 1. The Applicant having applied for use of the school facilities, owned and

More information

Questions You and Your Supervisory Committee Should Ask

Questions You and Your Supervisory Committee Should Ask Credit Union Protection 2014 Webinar Series Questions You and Your Supervisory Committee Should Ask CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited 10004865-0614 CUNA

More information

Workplace Violence. Work/Life Section 8, Page 15 Revised: April 1, Purpose

Workplace Violence. Work/Life Section 8, Page 15 Revised: April 1, Purpose Workplace Environment, Health. Wellness & Section 8, Page 15 Contents: Purpose Purpose Definitions Coverage Prohibited Actions and Sanctions Authorized Exceptions to Policy Support and Protections Retaliation

More information

TOOL 2.3 Tabletop Exercises FACILITATOR S GUIDE

TOOL 2.3 Tabletop Exercises FACILITATOR S GUIDE 1 TOOL 2.3 Tabletop Exercises FACILITATOR S GUIDE How to use these Tabletop Exercises in your organization: 1. Select an emergency scenario you want to practice from the Sample Emergency Scenarios. 1 2.

More information

PA TURNPIKE COMMISSION POLICY

PA TURNPIKE COMMISSION POLICY POLICY POLICY SUBJECT: PA TURNPIKE COMMISSION POLICY This is a statement of official Pennsylvania Turnpike Policy RESPONSIBLE DEPARTMENT: NUMBER: 3.07 APPROVAL DATE: 07-23-2002 EFFECTIVE DATE: 08-07-2002

More information

Workplace Violence: Identification, Prevention and If the Worst Happens, Evaluating Exposure

Workplace Violence: Identification, Prevention and If the Worst Happens, Evaluating Exposure Workplace Violence: Identification, Prevention and If the Worst Happens, Evaluating Exposure Jenna M. Bedsole Kris O. Anderson Baker Donelson 1400 Wells Fargo Tower Birmingham, AL jbedsole@bakerdonelson.com

More information

Microsoft Forecaster. FRx Software Corporation - a Microsoft subsidiary

Microsoft Forecaster. FRx Software Corporation - a Microsoft subsidiary Microsoft Forecaster FRx Software Corporation - a Microsoft subsidiary Make your budget meaningful The very words budgeting and planning remind accounting professionals of long, exhausting hours spent

More information

FOREX Risk & Money Management. By Low Jie Ji, Research Analyst 1/12/2013. NUS Students Investment Society NATIONAL UNIVERSITY OF SINGAPORE

FOREX Risk & Money Management. By Low Jie Ji, Research Analyst 1/12/2013. NUS Students Investment Society NATIONAL UNIVERSITY OF SINGAPORE FOREX Risk & 1/12/2013 Money Management By Low Jie Ji, Research Analyst NUS Students Investment Society NATIONAL UNIVERSITY OF SINGAPORE Money Management Many traders like to focus on the profit aspect

More information

END-USER LICENSE AGREEMENT MAPA Foundation Programme

END-USER LICENSE AGREEMENT MAPA Foundation Programme END-USER LICENSE AGREEMENT MAPA Foundation Programme IMPORTANT - PLEASE READ CAREFULLY: This End-User License Agreement ( EULA ) is a legal agreement between you and CPI for the CPI software product identified

More information

Guide to market volatility. Tips to help you understand the ups and downs of the market

Guide to market volatility. Tips to help you understand the ups and downs of the market Guide to market volatility Tips to help you understand the ups and downs of the market Volatility is the pulse of the market. If the financial markets have taught us anything over the long term, it is

More information

Plan for Emergencies and Disasters During Preparedness Month

Plan for Emergencies and Disasters During Preparedness Month MASSACHUSETTS EMERGENCY MANAGEMENT AGENCY FOR IMMEDIATE RELEASE: September 10, 2018 CONTACT Christopher Besse, Massachusetts Emergency Management Agency christopher.besse@state.ma.us Plan for Emergencies

More information

Help Others Prepare for a Hurricane

Help Others Prepare for a Hurricane Help Others Prepare for a Hurricane Create The Good SM encourages you to make these suggested advance preparations and to share these tools with family, close friends and neighbors. Keep in mind that hurricanes

More information

Guidelines For Reducing Exposure To Terrorism Risk In Public Spaces

Guidelines For Reducing Exposure To Terrorism Risk In Public Spaces RiskTopics Guidelines For Reducing Exposure To Terrorism Risk In Public Spaces October 2015 In recent years, private and public access organizations such as hotels, retail, shopping malls, sports complexes

More information

Fight back and you might be found guilty: Putative self-defence. By Sherika Maharaj

Fight back and you might be found guilty: Putative self-defence. By Sherika Maharaj Fight back and you might be found guilty: Putative self-defence By Sherika Maharaj Putative self-defence has now been propelled into the South African limelight particularly due to the Oscar Pistorius

More information

Manage lending risk. Collateral protection.

Manage lending risk. Collateral protection. Manage lending risk. Collateral protection. saves you money saves your members Tracked Collateral Protection Insurance Brochure saves you time Blanket Physical Damage Coverage Sell Sheet Immediate Issue

More information

Medications can be a large

Medications can be a large Find tips for talking about healthcare costs and the appeal process inside. Common Roadblocks to Care Advice to prevent and deal with the most common insurance-related hurdles The Doctor I Need Is Out

More information

ELDER FINANCIAL ABUSE How to spot it How to stop it

ELDER FINANCIAL ABUSE How to spot it How to stop it ELDER FINANCIAL ABUSE How to spot it How to stop it ELDER FINANCIAL EXPLOITATION Over 20 years working for CUNA and CU Leagues in compliance, government relations and state & federal advocacy Colleen Kelly

More information

Workplace Violence and Threats Prevention Policy City of New London

Workplace Violence and Threats Prevention Policy City of New London Workplace Violence and Threats Prevention Policy City of New London Issue Date: January 7, 2009 Revised: November 2011 Sources: CVMIC GENERAL: The City of New London is committed to providing a safe and

More information

INGHAM VILLAGE HALL. Registered Charity No

INGHAM VILLAGE HALL. Registered Charity No INGHAM VILLAGE HALL Registered Charity No 303988 HEALTH & SAFETY POLICY AND ADVICE This Policy aims to:- Provide healthy and safe working conditions, equipment and systems Keep Ingham Village Hall in a

More information

The FOS Approach to Joint Facilities and Family Violence

The FOS Approach to Joint Facilities and Family Violence The FOS Approach to Joint Facilities and Family Violence 1 At a glance 2 1.1 Scope 2 1.2 Summary 2 2 In detail 3 2.1 Issues that may arise with joint facilities 3 2.2 Understanding and responding to family

More information

University Policies

University Policies University Policies www.fhsu.edu/policies/ POLICY TITLE: Gun Policy POLICY PURPOSE: The purpose of this section is to describe how concealed handguns may be carried and stored on the campus of Fort Hays

More information

Workplace Violence: Identification, Prevention, and If the Worst Happens, Evaluation Exposure

Workplace Violence: Identification, Prevention, and If the Worst Happens, Evaluation Exposure Workplace Violence: Identification, Prevention, and If the Worst Happens, Evaluation Exposure Carla Gunnin Baker Donelson Bearman Caldwell & Berkowitz, PC 3414 Peachtree Road, NE Monarch Plaza, Suite 1600

More information

SECTION P WORKPLACE VIOLENCE PREVENTION A. GUIDELINES FOR PREVENTING VIOLENCE IN THE WORKPLACE

SECTION P WORKPLACE VIOLENCE PREVENTION A. GUIDELINES FOR PREVENTING VIOLENCE IN THE WORKPLACE SECTION P WORKPLACE VIOLENCE PREVENTION A. GUIDELINES FOR PREVENTING VIOLENCE IN THE WORKPLACE NOTE: Before establishing a workplace violence prevention program be sure to consult with your Human Resource

More information

Forex Scalping CHEAT SHEETS. By Jason Fielder

Forex Scalping CHEAT SHEETS. By Jason Fielder Forex Scalping CHEAT SHEETS By Jason Fielder 1 Fellow trader, If you are currently scalping FX markets (or are planning to), there are certain universal rules that you simply need to know to survive. Beyond

More information

Hidden Secrets behind becoming A Forex Expert!

Hidden Secrets behind becoming A Forex Expert! Hidden Secrets behind becoming A Forex Expert! From - www.forexadvantageblueprint.com 1 Special Report from http://www.forexadvantageblueprint.com Risk Disclosure Statement The contents of this e-book

More information

DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT

DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT EDUCATIONAL SERIES / MARCH 2012 1 DEBT REPAYMENT OPTIONS OPTIONS FOR THE REPAYMENT OF YOUR UNSECURED DEBT Published by Debt Management

More information

The Smartest Employee Benefit Is Identity Theft Management

The Smartest Employee Benefit Is Identity Theft Management The Smartest Employee Benefit Is Identity Theft Management HELP PROTECT YOUR EMPLOYEES. Proposal For: Date: Presented By: Provide peace of mind. Raise your benefits to a new level. Every employee has a

More information

TED Treasurers Council

TED Treasurers Council Iceland June 2012 TED Treasurers Council Understanding Property Insurance Jonathan Valls ARM Senior Account Executive While God does protect, He also expects us to take responsibility for what He has given

More information

NICTA Customer Service & Fraud Investigation

NICTA Customer Service & Fraud Investigation NICTA Customer Service & Fraud Investigation SCENARIOS The following scenarios provide circumstances where questionable aspects of an insureds claim have to be addressed. In some instances your company

More information

MANAGING WORKERS COMPENSATION CLAIMS AND INVESTIGATIONS

MANAGING WORKERS COMPENSATION CLAIMS AND INVESTIGATIONS MANAGING WORKERS COMPENSATION CLAIMS AND INVESTIGATIONS MANAGING WORKERS COMPENSATION CLAIMS AND INVESTIGATIONS AGENDA: Real Life Scenario Have a Workers Compensation Policy Provide Training to all employees

More information

ChurchSafety InfoSheet: Risk Assessment

ChurchSafety InfoSheet: Risk Assessment ChurchSafety InfoSheet: Risk Assessment Risk Assessment is perhaps the most important part of Health and Safety because it allows you to find out about what could cause harm to people in your Church or

More information

School of Risk Control Excellence

School of Risk Control Excellence School of Risk Control Excellence Cost Containment Process for Workers Compensation Return-to-Work Process Guide: A Practical Blueprint for Contractors July 29, 2011 Disclaimer The information, examples

More information

PERSONAL DISASTER PREPAREDNESS GUIDE

PERSONAL DISASTER PREPAREDNESS GUIDE PERSONAL DISASTER PREPAREDNESS GUIDE This document is available in English and in Spanish at www.operationhope.org. For additional information call 888-388-HOPE (4673) Revised 09-01-2005 PERSONAL DISASTER

More information

It s Not As It Appears!

It s Not As It Appears! It s Not As It Appears! As equities continued to rise during the advance into the 2007 top, I screamed from the roof tops that it was a bear market advance and that the efforts to prop the markets up only

More information

Product Innovation. Crisis Management. Aon London Global BrokingCentre

Product Innovation. Crisis Management. Aon London Global BrokingCentre Product Innovation Crisis Management Aon London Global BrokingCentre The nature and complexity of Terrorism continues to evolve, and as a consequence, the London Market has developed an array of specialist

More information

11. I understand that my deposit shall be forfeit should I or my organisation or group fail to comply with one or any of the conditions of hire.

11. I understand that my deposit shall be forfeit should I or my organisation or group fail to comply with one or any of the conditions of hire. Everton Village Hall Hire agreement Hirers agree to the following conditions of hire: EVERTON VILLAGE HALL MANAGEMENT Hirer s copy 1. To respect the fixtures, fittings and furniture on the premises, and

More information

Problem Prevention on the Teller Line

Problem Prevention on the Teller Line Your State Association Presents Problem Prevention on the Teller Line Program Materials Use this document to follow along with the webinar presentation. Please test your system before the broadcast. Be

More information

EMERGENCY SITUATION RISK ASSESSMENT

EMERGENCY SITUATION RISK ASSESSMENT EMERGENCY SITUATION RISK ASSESSMENT When working in children s services the health, safety, and wellbeing of each child is pivotal. Since an emergency can rarely be foreseen, it is imperative that every

More information

with the support of Everyday Banking An easy read guide March 2018

with the support of Everyday Banking An easy read guide March 2018 with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover

More information

UNDERSTANDING AND PREPARING FOR BANKRUPTCY. Lewis & Jurnovoy P.A.

UNDERSTANDING AND PREPARING FOR BANKRUPTCY. Lewis & Jurnovoy P.A. UNDERSTANDING AND PREPARING FOR BANKRUPTCY Lewis & Jurnovoy P.A. WARNING SIGNS If you are in financial trouble, you are not alone. At Lewis & Jurnovoy, P.A. we ve helped thousands of people just like you

More information

WORKPLACE SAVINGS GUIDE

WORKPLACE SAVINGS GUIDE WORKPLACE SAVINGS GUIDE START HERE. We understand that pensions can be confusing and difficult to understand. That s why we ve created this guide, to explain to you how they work and why they re so important

More information

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office?

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office? 800.825.7735 136 Long water Drive, Suite 100, Norwell, MA 02150 FAQ s Why should I hire Social Security Advocates for the Disabled? Hire us because we win, and we ve been winning since 1994. People that

More information

Applying For Social Security. National disability

Applying For Social Security. National disability Applying For Social Security Disability Insurance (ssdi) Benefits in Alaska M e m b e r o f t h e National disability R i g h t s N e t w o r k The FY19 budget for the Disability Law Center of Alaska is

More information

The language of insuring high net worth successful families and individuals

The language of insuring high net worth successful families and individuals The language of insuring high net worth successful families and individuals Research paper The Research Many high net worth individuals have seen the benefits of working with independent agents and specialty

More information

"ACCIDENT INVESTIGATION"

ACCIDENT INVESTIGATION MAJOR PROGRAM POINTS "ACCIDENT INVESTIGATION" Part of the "GENERAL SAFETY SERIES" Quality Safety and Health Products, for Today...and Tomorrow Outline of Major Points Covered in the "Accident Investigation"

More information

Hurricane Preparedness Plan The Cotton Mill Condominiums

Hurricane Preparedness Plan The Cotton Mill Condominiums Cotton Mill Hurricane Preparedness Plan..Page 1 Hurricane Preparedness Plan The Cotton Mill Condominiums Introduction The Board, the property management firm and the on-site management staff (hereinafter

More information

BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM

BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM CONTENTS To Be or Not To Be? That s a Binary Question Who Sets a Binary Option's Price? And How? Price Reflects Probability Actually,

More information

HOME ABOUT US OUR MISSION TAKE ACTION SERVICES START HERE. Solutions for Students

HOME ABOUT US OUR MISSION TAKE ACTION SERVICES START HERE. Solutions for Students My College Loan Support For Students We help graduates consolidate their debts into one monthly payment. Whether you're in good standing or in default, let us help simplify your life. 1. For Students 2.

More information

SF Access Services SF Access Reservations and Where s My Ride

SF Access Services SF Access Reservations and Where s My Ride SF Access Services SF Access Reservations and Where s My Ride 1-415-285-6945 SF Paratransit Main Administration 1-415-351-7000 TTY 1-415-351-3942 www.sfparatransit.com Table of Contents 3 Introduction

More information

T H E R I S E O F W W W. A I O N N E X T. C O M

T H E R I S E O F W W W. A I O N N E X T. C O M T H E R I S E O F Trading Cryptocurrency W W W. A I O N N E X T. C O M What Is Cryptocurrency? The question, what is cryptocurrency seems to be asked a lot these days. There has been widespread interest

More information

In This Issue. Plan Guidance for You. Hop Off the Emotional Roller Coaster A cool head and a calm approach will serve you well in the long run

In This Issue. Plan Guidance for You. Hop Off the Emotional Roller Coaster A cool head and a calm approach will serve you well in the long run RetireOnTarget Newsletter, Spring 2013 In This Issue Hop Off the Emotional Roller Coaster Delaying Social Security Could Be Your Best Investment What to Do with Your Old 401(k) Pay It Forward Plan Guidance

More information

Juan M. Gomez, Appellant, INITIAL

Juan M. Gomez, Appellant, INITIAL University of Tennessee, Knoxville Trace: Tennessee Research and Creative Exchange Tennessee Department of State, Opinions from the Administrative Procedures Division Law 7-12-2007 Juan M. Gomez, Appellant,

More information

Shots Fired Active Shooter / Assailant Coverage

Shots Fired Active Shooter / Assailant Coverage Experience a World of Difference Shots Fired Active Shooter / Assailant Coverage A CRITICAL NEED IN EMERGENCY RESPONSE PLANS WHITE PAPER SEPT 2018 Shots Fired Active Shooter / Assailant Coverage: A Critical

More information

THE SAFETY ACT WHAT IS A DESIGNATED ACT OF TERRORISM? WHAT IS PROTECTED UNDER THE SAFETY ACT?

THE SAFETY ACT WHAT IS A DESIGNATED ACT OF TERRORISM? WHAT IS PROTECTED UNDER THE SAFETY ACT? THE SAFETY ACT The SAFETY (Support Anti-terrorism by Fostering Effective Technologies) Act provides broad liability protections, caps and other legal incentives for qualified entities that sell, use, integrate,

More information

Find Out How Much You May Really Need

Find Out How Much You May Really Need Find Out How Much You May Really Need to Retire with Confidence 1300023 What s Your Number? At J.D. Mellberg Financial, one of our flagship strategies is using a fixed index annuity with select rider

More information

So you think you re a perfect driver? M&S Car Insurance shows how difficult it really is

So you think you re a perfect driver? M&S Car Insurance shows how difficult it really is 7 th September, 2005 So you think you re a perfect driver? M&S Car Insurance shows how difficult it really is (O B / (4 + D I )) + ((R E + A N ) / (8 + (1/2) (I M + R T ))) + (S A / (2 + (1/2) (A G + C

More information

Who s The Most Distracted Driver?

Who s The Most Distracted Driver? Who s The Most Distracted Driver? B y K e n n y S m i t h 2016 : OneBeacon Insurance Group LLC 1 Who s The Most Distracted Driver? Audience vote Public Works Utilities A New Young Driver Law Enforcement

More information

Anyone studying the stock market intends to remove themselves from the ranks of the public that

Anyone studying the stock market intends to remove themselves from the ranks of the public that Serving a trading apprenticeship The Wyckoff method of trading stocks part 13 by Jack K. Hutson Anyone studying the stock market intends to remove themselves from the ranks of the public that dabbles with

More information

Policy Note. Citizens Guide to Initiative 1639, to enact new restrictions on firearms ownership in Washington state. Introduction

Policy Note. Citizens Guide to Initiative 1639, to enact new restrictions on firearms ownership in Washington state. Introduction Policy Note Key Findings 1. The initiative would re-define most commonly-owned sporting, collectable and self-defense rifles as assault weapons. 2. The initiative would create a new criminal offense; gun

More information

AIB Portfolio Invest. Straightforward ways to invest. This product is provided by Irish Life Assurance plc.

AIB Portfolio Invest. Straightforward ways to invest. This product is provided by Irish Life Assurance plc. AIB Portfolio Invest Straightforward ways to invest This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers

More information

Golden rules of communication. Talking about pensions with a new generation of savers

Golden rules of communication. Talking about pensions with a new generation of savers Golden rules of communication Talking about pensions with a new generation of savers 3 Talking about pensions with a new generation of savers Every employer in the UK has to provide a suitable workplace

More information

Equifax Data Breach: Your Vital Next Steps

Equifax Data Breach: Your Vital Next Steps Equifax Data Breach: Your Vital Next Steps David A. Reed Partner, Ann Davidson Vice President Risk Consulting/ Bond Division Allied Solutions, LLC Do You Remember When this Was the Biggest Threat to Data

More information

DOES A CLIENT HAVE A LIFE AFTER DEATH?

DOES A CLIENT HAVE A LIFE AFTER DEATH? DOES A CLIENT HAVE A LIFE AFTER DEATH? ADVISORS WHO MANAGE FAMILY MONEY HAVE AN 8 OUT OF 10 CHANCE OF BEING FIRED BY HEIRS AFTER THEIR CLIENT DIES 7 THINGS YOU CAN DO TO BE SURE YOU RE NOT FIRED WHEN YOUR

More information

SUGGESTED SOLUTION FINAL MAY 2019 EXAM. Test Code - FNJ 7081

SUGGESTED SOLUTION FINAL MAY 2019 EXAM. Test Code - FNJ 7081 SUGGESTED SOLUTION FINAL MAY 2019 EXAM SUBJECT- SCM & PE Test Code - FNJ 7081 BRANCH - () (Date :) Head Office : Shraddha, 3 rd Floor, Near Chinai College, Andheri (E), Mumbai 69. Tel : (022) 26836666

More information

SAMURAI SCROOGE: IMPORTANT CONCEPTS

SAMURAI SCROOGE: IMPORTANT CONCEPTS SAMURAI SCROOGE: IMPORTANT CONCEPTS CONTENTS 1. Trend vs. swing trading 2. Mechanical vs. discretionary trading 3. News 4. Drawdowns 5. Money management 6. Letting the system do the work 7. Trade journal

More information

Welcome to View Point Health. We are honored to partner with you on your recovery journey. Please give us your Name:

Welcome to View Point Health. We are honored to partner with you on your recovery journey. Please give us your Name: Welcome to View Point Health. We are honored to partner with you on your recovery journey. Please give us your Name: Please check the documents below that you have with you today: Proof of address (a recent

More information

Six Scenarios that Lead to Under Performing Receivables

Six Scenarios that Lead to Under Performing Receivables Six Scenarios that Lead to Under Performing Receivables Practices, processes, and problems that are commonly seen in the credit and collection area that lead to high DSO, weak cash flow, and low resource

More information

The Unique Footprint of Emerging Risks

The Unique Footprint of Emerging Risks The Unique Footprint of Emerging Risks Managing your most pressing risks CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited 2016 CUNA Mutual Group, All Rights Reserved. What

More information

Defending Against the Latest Fraud Trends

Defending Against the Latest Fraud Trends Defending Against the Latest Fraud Trends Joni Lovingood, CRM, CFE Corporate Property & Casualty Sales Specialist CUNA Mutual Group joni.lovingood@cunamutual.com CUNA Mutual Group Proprietary Reproduction,

More information

GeoBlue Pre-travel Checklist International Health Insurance for Higher Education

GeoBlue Pre-travel Checklist International Health Insurance for Higher Education GeoBlue Pre-travel Checklist International Health Insurance for Higher Education Medical Preparation When Traveling Guarding your health away from home is important, so we ve put together a list of things

More information

Reporting Accidents/Fatalities 9/22/2015 SERIOUS ACCIDENT OR FATALITY OCCURS. If necessary: Provide first aid. Call emergency services.

Reporting Accidents/Fatalities 9/22/2015 SERIOUS ACCIDENT OR FATALITY OCCURS. If necessary: Provide first aid. Call emergency services. George W. Goodman, Esq. Cummins, Goodman, Denley & Vickers, P.C gwg@cumminsgoodman.com (503) 476 8200. SERIOUS ACCIDENT OR FATALITY OCCURS If necessary: Provide first aid. Call emergency services. Notify

More information

Paying for care. An information guide for people living in Surrey

Paying for care. An information guide for people living in Surrey Paying for care An information guide for people living in Surrey 2 Surrey County Council About this booklet Paying for care is a very complicated subject. This Easy Read booklet is very long but we felt

More information

SURVIVAL GUIDE FOR PRODUCTIVE DISCUSSIONS

SURVIVAL GUIDE FOR PRODUCTIVE DISCUSSIONS SURVIVAL GUIDE FOR PRODUCTIVE DISCUSSIONS Representatives must be sure to obtain all pertinent information about their clients in order to better understand them and make appropriate recommendations. This

More information

Lenders using CreditXpert as an integral part

Lenders using CreditXpert as an integral part CreditXpert empowers you with fresh insights to uncover opportunities and make more informed decisions. A better way to manage applications and build relationships, CreditXpert enables you to adopt a consultative

More information

How to Solve Your Tax Problems Using Four Critical Steps

How to Solve Your Tax Problems Using Four Critical Steps How to Solve Your Tax Problems Using Four Critical Steps Owing the Internal Revenue Service (IRS) more than you can pay is stressful; however, there are options available that you may not know exist. Whether

More information

Why Financial Education in the Workplace?

Why Financial Education in the Workplace? We inspire people to create the life they want, on their terms. Why Financial Education in the Workplace? The answer: Your bottom line. Money worries affect every part of your employees lives relationships,

More information

Exploring Whole Life + Term Versus

Exploring Whole Life + Term Versus Certified Financial Services, LLC 600 Parsippany Road Suite 200 Parsippany, NJ 07054 Richard Aronwald Financial Specialist Exploring Whole Life + Term Versus Universal Life Part I: An Insurance Primer

More information

SeeWhy Financial Learning s ~ IFIC Exam Preparation Materials~

SeeWhy Financial Learning s ~ IFIC Exam Preparation Materials~ SeeWhy Financial Learning 2009 SeeWhy Financial Learning s ~ IFIC Exam Preparation Materials~ Here at SeeWhy Financial Learning, we have a knack for making difficult concepts seem easy. After hearing a

More information

Employee Dishonesty Lessons Learned: Internal Controls

Employee Dishonesty Lessons Learned: Internal Controls Employee Dishonesty Lessons Learned: Internal Controls Presented by: Doug Roossien, CRM, CFE Business Protection Risk Management CUNA Mutual Group CUNA Mutual Group Proprietary Reproduction, Adaptation

More information

Emergency Preparedness. Emergency Preparedness & the Senior Housing Provider. The Speakers LEGAL REQUIREMENTS

Emergency Preparedness. Emergency Preparedness & the Senior Housing Provider. The Speakers LEGAL REQUIREMENTS Emergency Preparedness & the Senior Housing Provider LEADINGAGE MINNESOTA 2015 SENIOR LIVING NOW! CONFEREN CE SESSIONS #107 AND #207 The Speakers Andrew Tepfer All-Hazard Planner Homeland Security & Emergency

More information

THE MOTORIST S ACCIDENT GUIDE

THE MOTORIST S ACCIDENT GUIDE THE MOTORIST S ACCIDENT GUIDE To be stored in the glove box of your car. Use immediately following an accident. AFTER AN ACCIDENT: STEP BY STEP GUIDE Familiarize yourself with this guide and keep it in

More information

Client Risk Solutions Going beyond insurance. Risk solutions for Energy. Oil, Gas and Petrochemical. Start

Client Risk Solutions Going beyond insurance. Risk solutions for Energy. Oil, Gas and Petrochemical. Start Client Risk Solutions Going beyond insurance Risk solutions for Energy Oil, Gas and Petrochemical Start Partnering to Reduce Risk AIG s Client Risk Solutions (CRS) partners with organizations to build

More information

Class 8: Trading Neutral. I. Learning to Trade Neutral. Today s Class

Class 8: Trading Neutral. I. Learning to Trade Neutral. Today s Class Today s Class Psychology of Trading Neutral Anatomy of a trade Bracket trading/trading neutral Determining stops Journaling Class 8: Trading Neutral I. Learning to Trade Neutral Learning to Trade Neutral/Psychology

More information

PREPARE FOR FLOODING.

PREPARE FOR FLOODING. PREPARE FOR FLOODING. A GUIDE FOR RESIDENTS AND BUSINESSES FOR ADVANCE FLOOD WARNINGS Your property could be at risk of flooding. But help is available. The frequency of floods has risen dramatically in

More information

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM

TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM THE CARLSON LAW FIRM TRICKS OF THE TRADE HOW YOUR AUTO INSURANCE COMPANY DEVALUES YOUR INJURY CLAIM 01 WHAT WE KNOW We hear it all the time, you don t need to hire an attorney after a car crash or I didn

More information