If we knew this, our jobs would be easy

Mass shooting incident Cyber attack Terrorist attack Building failure Aircraft collision Runway collapse Major storm event Chemical/Biological attack Hostage Taking Utilities Disruption If we knew this, our jobs would be easy

Airlines

Airlines Concessionaires

Airlines Concessionaires First responders

Airlines Concessionaires First responders Elected officials

Airlines Concessionaires First responders Elected officials Security personnel

Airlines Concessionaires First responders Elected officials Security personnel Traveling public

Airlines Concessionaires First responders Elected officials Security personnel Traveling public Insurance providers

Airlines Concessionaires First responders Elected officials Security personnel Traveling public Insurance providers Legal team

Public relations

Public relations Counselling

Public relations Counselling Restoration

Public relations Counselling Restoration Bio-hazard clean-up

Public relations Counselling Restoration Bio-hazard clean-up Logistics

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services Temporary shelter/facilities

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services Temporary shelter/facilities Water & food services

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services Temporary shelter/facilities Water & food services Medical services

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services Temporary shelter/facilities Water & food services Medical services Legal Services

Public relations Counselling Restoration Bio-hazard clean-up Logistics Transportation services Temporary shelter/facilities Water & food services Medical services Legal Services Pet Care

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place Contract for other services in advance

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place Contract for other services in advance Avoid lowest cost providers

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place Contract for other services in advance Avoid lowest cost providers Have all fees negotiated in advance

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place Contract for other services in advance Avoid lowest cost providers Have all fees negotiated in advance Cap equipment rentals fees

What services are be provide for by insurers? Meet with service providers and establish relationships Have backups in place Contract for other services in advance Avoid lowest cost providers Have all fees negotiated in advance Cap equipment rentals fees Specify labor utilization and travel expenses

Make sure all stakeholders understand the incident command structure

Make sure all stakeholders understand the incident command structure Account for incident specific stakeholders

Make sure all stakeholders understand the incident command structure Account for incident specific stakeholders NTSB, FAA, FBI, DHS, FEMA, state law enforcement, local law enforcement, fire rescue, CDC, etc

Make sure all stakeholders understand the incident command structure Account for incident specific stakeholders NTSB, FAA, FBI, DHS, FEMA, state law enforcement, local law enforcement, fire rescue, CDC, etc At what stage does command transfer to other parties?

Make sure all stakeholders understand the incident command structure Delineate communications with public

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident?

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident? Provide communication on periodic basis

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident? Provide communication on periodic basis Coordinate with Incident Commander

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident? Provide communication on periodic basis Coordinate with Incident Commander In the face of a void someone will fill in the blanks

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident? Provide communication on periodic basis Coordinate with Incident Commander In the face of a void someone will fill in the blanks Brief board members and state and local politicians

Make sure all stakeholders understand the incident command structure Delineate communications with public Designate official spokesperson(s) for incident? Provide communication on periodic basis Coordinate with Incident Commander In the face of a void someone will fill in the blanks Brief board members and state and local politicians Monitor utilization of social media

Make sure all stakeholders understand the incident command structure Delineate communications with public Run exercises to test your systems

Make sure all stakeholders understand the incident command structure Delineate communications with public Run exercises to test your systems Run tabletop exercises at least annually

Make sure all stakeholders understand the incident command structure Delineate communications with public Run exercises to test your systems Run tabletop exercises at least annually Conduct simulated exercises with all stakeholders

Make sure all stakeholders understand the incident command structure Delineate communications with public Run exercises to test your systems Run tabletop exercises at least annually Conduct simulated exercises with all stakeholders Price the various elements of the response to help determine appropriate limits of insurance

Make sure all stakeholders understand the incident command structure Delineate channels of communication with public Run exercises to test your systems Plan for contingencies

Make sure all stakeholders understand the incident command structure Delineate channels of communication with public Run exercises to test your systems Plan for contingencies Even the best conceived and rehearsed plans need to allow for changes on the fly

Make sure all stakeholders understand the incident command structure Delineate channels of communication with public Run exercises to test your systems Plan for contingencies Even the best conceived and rehearsed plans need to allow for changes on the fly Ensure incident commander has discretion to modify as circumstances may dictate

How does your insurance program respond? Property Coverage? Generally will require direct physical loss to trigger coverage Off-premises service interruption Business Interruption Extra Expense Deductibles / Waiting period

How does your Insurance program respond? Property Coverage? Terrorism Coverage? Definition of covered acts How does it dovetail with property policy

How does your insurance program respond? Property Coverage? Terrorism Coverage? General Liability? Duties after loss do not admit liability

How does your insurance program respond? Property Coverage? Terrorism Coverage? General Liability? Director s and Officer s / Public Official s Liability? Coverage may be triggered for: Failure to train Improper supervision Effectiveness of response protocols

How does your insurance program respond? Property Coverage? Terrorism Coverage? General Liability? Director s and Officer s / Public Official s Liability? Cyber/Privacy Liability Coverage? Generally provides coverage for the response Many policy offer P.R. / reputational risk component

How does your insurance program respond? Property Coverage? Terrorism Coverage? General Liability? Director s and Officer s / Public Official s Liability? Cyber/Privacy Liability Coverage? Contractual Risk Transferred to 3 rd Parties This is usually very cost effective risk management How effectively are you transferring liability to 3 rd parties? Are you tracking their compliance with contractual requirements? Are the coverages provided as required Foreign insurers Policies in English

Non-Traditional Insurance Products Catastrophe Management Coverage Crisis response coverage can be added to various insurance policies to help fund the response efforts Stand-alone disaster management policies exist Generally pays for: Public relations firm engagement Crisis counselors Extra expense related to event management Does coverage provide services or simply reimbursement

Non-Traditional Insurance Products Catastrophe Management Coverage Violent and Malicious Acts Coverage Responds to event with no need for property loss Fund extra expense or associated loss of revenue

Non-Traditional Insurance Products Catastrophe Management Coverage Violent and Malicious Acts Coverage Terrorism Plus Coverage Responds to events that occur within a designated geographic area Does not require insured s facility to be directly affected ie. event at Disney impacting Orlando International Covers lost income or additional expenses incurred

Non-Traditional Insurance Products Catastrophe Management Coverage Violent and Malicious Acts Coverage Terrorism Plus Coverage Kidnap and Ransom Coverage Provides experts to assist with the negotiations and recovery Pays ransom amounts Security training available for key personnel

Non-Traditional Insurance Products Catastrophe Management Coverage Violent and Malicious Acts Coverage Terrorism Plus Coverage Kidnap and Ransom Coverage Pandemic Event Outbreak Coverage Coverage responds to offset the financial impact travel ban Can fund medical response if event directly insured s facilities

Non-Traditional Insurance Products Catastrophe Management Coverage Violent and Malicious Acts Coverage Terrorism Plus Coverage Kidnap and Ransom Coverage Pandemic Event Outbreak Coverage Reputational Risk Coverage May piggy-back on other coverages or stand-alone Provides PR services to preserve goodwill and reputation

Manage Expectations Know how your programs will respond What s Covered? What s is excluded? How do you insurance products respond? What new products are available to address developing exposures?

Effective Crisis Response Program Flexible Robust Supported from the top down Communicated and understood by all stakeholders Reviewed annually Periodically rehearsed