Author Archives: Caroline McDonald

About Caroline McDonald

Caroline McDonald is a writer and former senior editor of the Risk Management Monitor and Risk Management magazine.
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Lloyd’s Underwrites Ebola Indemnity Coverage

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A new class of insurance is now being offered to address the occupational hazards faced by healthcare workers and first responders who are in jeopardy of contracting blood-borne pathogens such as Ebola, HIV, Hepatitis B and Hepatitis C.

Underwritten by Lloyd’s of London and distributed by Specialty Insurance Advisors, Essential Professional Insurance Coverage (EPIC) is the first such indemnity coverage available to individuals, including administrators who check in patients, doctors and nurses treating patients and patrolmen and women responding to 911 calls. The coverage goes beyond workers compensation and disability insurance to protect these individuals, EPIC said.

According to the Occupational Safety and Hazards Association (OSHA), up to 800,000 needle sticks occur each year, of which 16,000 are likely to be contaminated with HIV. The risk of acquiring Hepatitis B or C from a needle stick is even higher than HIV.

EPIC President Richard Kosinski said in an online interview with Fox Business, “We provide the ability for a health care worker or law enforcement professional to buy very inexpensive coverage in the event they get infected with Ebola, HIV or Hepatitis B or C.

For a nominal amount of 9 per year they can get 0,000 of coverage if the worst case happens and they get infected with Ebola or some other type of blood pathogen.

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While the coverage has been available for more than a year, primarily through unions, to large health care hospitals and other institutions, “We have just announced the ability for an individual to buy a policy,” Kosinski said. Centinela Hospital Medical Center in Inglewood, California was one of the first hospitals in the United States to offer EPIC to its healthcare workers, and the first to add Ebola infection coverage, according to EPIC.

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The plan provides a safety net that can help defray some of the costs, Kosinski explained, adding that otherwise, “No one is going to pay the cost for the average health care worker to be flown by a private jet to a specific CDC facility to get Ebola care.”

How is it possible to write this coverage? “Because this is Lloyd’s of London, which has a 500 year history of writing specialty risks,” Kosinski said.

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“We understand the risk, how to price it correctly and how the claims will be paid out.”

Business Travel Risks

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There are a number of reasons organizations need to be paying attention to their employees’ travel risks, including health scares, natural disasters and political unrest. Since unpredictable events like these are now a global reality, many businesses are taking a hard look at business travel risks and ways they can protect their employees abroad.

In fact, 80% of travelers believe their companies have a legal obligation to protect them abroad, according to On Call International LLC’s report, “Protecting Your Employees Abroad Protects Your Business at Home.” This means employees may blame their organization if their health or safety is compromised during a business trip. Because so much is at stake for companies that send staff members across the globe, it is important for employers to understand business travel risks and implement a travel risk management strategy to protect their workforce—and their company.

The study notes that companies need to be prepared to respond quickly and effectively to any travel-related incident. Responses should also put the needs of the employee first. Companies need to anticipate the risks and prevent them from occurring–or at least limit their potential impact.

The infographic below looks at business travel risks and why it is essential for companies to protect their employees.

 

 

 

 

 

Ransomware Threats a Concern

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Takeover by ransomware–malware installed on computers that allows criminals to remotely lock the computer and demand a ransom to release files and programs–is a concern to 88% of IT professionals, a study by Spiceworks found.

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What’s more, almost one-third of IT pros have experienced a ransomeware attack at their organization.

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According to Microsoft, ransomware is usually installed when a malicious email attachment is opened; or by clicking a malicious link in an email message, instant message or on a website, including a social networking site. Ransomware can even be installed when simply visiting a malicious website.

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You can find out more about ransomware and what to do about it below:

Controlling Employee Crime

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Employee theft costs businesses billions of dollars annually and it is on the rise, the U.S. Chamber of Commerce reports. Strategies for controlling these thefts include pre-employment screening, installing procedures to make theft more difficult, improving employee job satisfaction and maintaining a policy of apprehension and prosecution, according to The Hanover Insurance Group, Inc.

“Business owners spend a significant amount of time and resource protecting their business from a variety of risks, whether it’s liability for their products or services or severe weather,” Helen R.

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Savaiano, president of management liability at The Hanover said in a statement.

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“But, what can sometimes be overlooked are the risks presented by unscrupulous employees and unfortunately those types of losses happen more often than business owners think.

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In support of Crime Prevention Month, the company offers insights into the most common crime schemes and steps business owners can take to help prevent these schemes within their own companies.

What business owners can do:

Organizations should make sure there is clear accountability for every position and that no position has broad enough power to authorize payments without another individual’s consent. Companies also need to establish a system of checks and balances and set up an anonymous tip line to encourage reporting of any suspicious activities or business practices, The Hanover said in a report.