About Emily Holbrook

Emily Holbrook is a former editor of the Risk Management Monitor and Risk Management magazine. You can read more of her writing at EmilyHolbrook.com.
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Breakin’ the Law — Internet Commerce Style

A recent study found that a large amount of websites selling electronic goods throughout Europe are breaking consumer laws. The analysis focused on 369 sites selling electronic equipment in 28 European countries.

“We discovered that more than half of the retailers selling online electronic goods are letting consumers down,” said EU Consumer Commissioner Meglena Kuneva.

EU authorities carried out the investigation, which found that the biggest failure of the companies/websites observed was the breaking of the return of goods rule.

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The authorities chose the websites based on their popularity and also if the site was the source of previous complaints.

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The investigation found the following:

  • Two-thirds (66%) failed to adequately explain that consumers had seven days to return a product bought over distance for a full refund and without giving a reason. Others failed to explain the right to have a faulty product repaired or replaced for at least two years after sale
  • Details about extra delivery charges were missing or difficult to find on the website in 45% of cases
  • A third (33%) did not fully outline the trader’s name, address or email details so they could not be contacted if there was a problem

The websites under question will be contacted  and, if they fail to change their ways, could face fines and other enforcements. Maybe the U.S. should start their own investigation.

Shocking Stats on Workplace Suicides

The U.S. Bureau of Labor Statistics recently reported that workplace suicides  jumped 28% from 2007 to 2008, reaching a record high of 251 for last year. Keep in mind these numbers are comprised only of those suicides which occur at the work site.

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“Suicides occurring outside of the workplace or not on work time may also be included, but only if the [Census of Fatal Occupational Injuries] program has documentation of the work relationship.”

DESCRIPTION

Here’s a breakdown of those numbers:

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The research reveals that of the 251 suicides in 2008, 236 of them were committed by men (94%). Also, workers age 45-54 accounted for the age group with the highest number of suicides (36%) and an overwhelming majority of the 251 were white (78%).
The occupations that experienced the largest increases in suicides from 2007 to 2008 were protective service occupations and transportation and material moving occupations.

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Approximately one-third of the total protective service suicides in 2008 were police officers.

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Wildfires Ravage Southern California

A state of emergency has been declared in California as an out of control wildfire spreads through the Los Angeles foothills. It has been reported that the fire “nearly doubled in size overnight” with total acreage burned amounting to 35,000.

“These fires are still totally out of control,” California Gov.

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Schwarzenegger said at the fire’s command post in Lakeview Terrace.

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“This is a huge and very dangerous fire. The fire is moving very close to homes and to structures.”

The fires are currently threatening more than 12,000 buildings and residents of 10,000 homes have been told to evacuate. 2,000 firefighters are working to contain the blaze as the weather forecast projects continued hot, dry weather. Two firefighters died Sunday when their vehicle rolled off a hillside near Mount Gleason in the Angeles National Forest.

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The most costly wildfire to date is the 1991 Oakland, California fire, which resulted in estimated insured losses of $2.7 billion (in 2008 dollars). The National Interagency Coordination Center lists the top ten states for wildland fires, ranked by number of fires for 2008:

  • Texas                        16,713       1,570,586
  • California                  5,812          1,339,839
  • Oklahoma                 5,572          196,563
  • Georgia                     5,454          23,081
  • North Carolina          4,414           95,938
  • Alabama                   3,103           32,447
  • Florida                      2,939           156,102
  • South Carolina         2,626           15,751
  • Mississippi               1,898           27,399
  • Arizona                     1,850           85,496

The Insurance Information Institute states that “most of the large fires with significant property damage have occurred in California, where some of the fastest developing counties are in forest areas.” Stay tuned as we continue to post updates on the wildfire situation, and the losses resulting from it.

Storm Summary 6

Welcome to the fifth “Storm Summary” post of the hurricane season.

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Each Friday from now until the official end of the season (November 30) I will post an update on past and present storms, like the following:

NAME PEAK STATUS DATE LOCATION DAMAGE
Ana TD 28-May Mid Atlantic None
Blanca TS 7/6 to 7/8 East Pacific None
Carlos Cat. 1 7/10 to 7/16 East Pacific None
Dolores TS 7/15 to 7/17 East Pacific None
Enrique TS 8/4 to 8/7 East Pacific None
Felicia Cat.  4 8/3 to 8/11 East Pacific None
Guillermo Cat. 3 8/12 to 8/19 East Pacific None
Bill Cat. 4 8/15 to 8/24 Mid Atlantic No major damage
Claudette TS 8/16 to 8/18 Gulf of Mexico No major damage
Danny TS 8/26 to present Mid Atlantic None

Tropical Storm Danny is on everyone’s radar as the well-developed storm hugs the eastern seaboard, with its current path projecting a rare New England landfall. The last major storm to hit the northern United States was Hurricane Hanna in 2008, which wreaked havoc with major flooding in Westchester County, New York. The storm also knocked out power to 32,000 on Long Island.

A tropical storm watch remains in effect for the North Carolina coast.

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Though the Atlantic has only seen three named storms, the waters of the Pacific are seeing constant activity, due, in part, to El Niño, which is “the periodic warming of central and eastern tropical Pacific waters [that] occurs on average every two to five years and typically lasts about 12 months.” Although most people think of this phenomenon in negative terms for the damage it can spur on the West Coast, it is actually beneficial to the East Coast/Gulf Coast in the sense that warmer waters in the Pacific usually create conditions that suppress Atlantic hurricanes. Why exactly this occurs is not something I’m qualified to explain but, as I recall, it has something to do with warm and cool air mixing in a different way and creating a “wind shear” that helps prevent storms from developing.

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The International Research Institute for Climate and Society can probably explain it better.

For constant, up-to-date storm information, visit NOAA. And for breaking information on the insured losses the storms create, check out the Insurance Information Institute and the Insurance Services Office.

Most importantly, don’t forget to check back next Friday for our seventh “Storm Summary” installment.