Игроки всегда ценят удобный и стабильный доступ к играм. Для этого идеально подходит зеркало Вавады, которое позволяет обходить любые ограничения, обеспечивая доступ ко всем бонусам и слотам.

Terrorism Incidents Down, Disruption Up in 2015

A number of high-profile terrorism attacks worldwide have raised people’s fears this year, but the reality is that the number of attacks and deaths from such attacks actually decreased in 2015, according to Marsh’s 2016 Terrorism Risk Insurance Report.
Marsh2

The report summarizes terrorism risk insurance trends, benchmarks terrorism insurance take-up rates and pricing, and offers risk management solutions for terrorism exposures.

The more current attacks, often perpetrated by a single individual or small group, are different from those carried out in the 1990s and 2000s when high profile locations were targeted. Individuals carrying out the more recent attacks may have no direct contact with a known terrorist organization, but could be drawn to them through writings and video, particularly on the internet, Marsh said.

These events can be very disruptive to operations in some companies. In the travel industry, for example:

  • About 10% of American travelers canceled booked trips due to the recent attacks in Egypt, France, Lebanon and Mali, which impacted $8.2 billion in travel spending, according to a survey by YouGov.
  • Booking losses for Air France were estimated to be €50 million ($56 million), the company said in a statement.
  • Airlines, hotel chains and travel websites experienced drops in their stock prices after this year’s airport bombing in Brussels.

In the United States, the Terrorism Risk Insurance Program Reauthorization Act of 2015 (TRIPRA) offers businesses a federal backstop against terrorism-related losses. While the overall take-up rate for TRIPRA coverage in the U.S. increased slightly in 2015, it has remained in the 60% range since 2009, Marsh said.

Managing terrorism risk requires a combination of strategies that protect people, property and finances. On the financial side, the choice is whether to retain or transfer the risk with insurance. But the changing pattern of terrorism risk has some companies asking if they are adequately insured for business interruption and related losses. They also wonder how to prepare for potential losses from cyber terrorism and other events.

Other key takeaways from the report include:

  • As small group and “lone wolf” terrorist attacks appear to be the changing face of terrorism, many organizations are assessing their coverage for indirect losses stemming from business interruption risks.
  • Following the 2015 passage of the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA), take-up rates in the US edged up for TRIPRA terrorism coverage embedded in property programs.
  • Among industry sectors, media organizations had the highest take-up rate for terrorism insurance in 2015.
  • Workers’ compensation markets for terrorism risks generally stabilized.
  • The number of Marsh-managed captives accessing TRIPRA increased by 17% from 2014 to 2015, but many captives that could offer a terrorism program do not.
    19906-TRIR-Infographic

 

Prioritizing Risk Management Strategies in Schools

safety
No matter what precautionary measures schools take, there are many risks and “fires” that need to be put out on a daily basis. To keep staff and students safe and to protect school assets, a proactive approach to mitigating risk in schools is a necessity. The keys to a successful risk management program include careful, strategic planning while taking all relevant and potential factors into consideration, but how can administrators get started?

By identifying potential risks and applying a process to assess them, schools can focus on their objectives more clearly, including top priorities like student and employee wellbeing. Effective risk management reduces the disruption of a student’s education, damage to a school’s reputation, lost time, stress from managing incidents, and the potential risk of legal intervention in an increasingly litigious world. School administrators can explore these strategies as they strive to enhance their risk management initiatives:

Focus on greatest risks and exposures
The concern about lawsuits is ever present, but schools cannot operate under the pretense that litigation is going to happen. They instead must conduct their business for the safety of students and staff. If schools operate under fear, their risk management efforts will simply not be as effective as planned.

Administrators must also consider relevancy. In the private sector, risk management has a large seat at the table, whereas in the public sector that is not always the case. Depending on priorities, some issues that play a vital role within the public sector may not be relevant in the private sector. Identifying the relevance of issues often determines where and how money is spent in a school district, however. District-wide funding can be one of the biggest issues administrators face.

buy ventolin online dentalhacks.com/wp-content/uploads/2023/10/jpg/ventolin.html no prescription pharmacy

Districts encounter daily challenges to come up with the right resources available to train staff—especially when it comes to implementing technology. Administrators must make tough decisions when considering funding realities and the need for as much risk management coverage as possible. They need to maintain a balance when money is at stake, as they are only able to make decisions based on the amount of funds available to them.

Focus on what effective training can offer a school faculty
Safety training for school and district staff should play a huge part in every risk management strategy, as well as ensuring the district is in compliance on a state and federal level. Safety training has a trickle-down effect, and if provided at the appropriate level of training, administrators will see a significant effect in reduction of accidents, damage to buildings and costs overall.

buy symbicort online dentalhacks.com/wp-content/uploads/2023/10/jpg/symbicort.html no prescription pharmacy

There is always work to be done when it comes to improving school safety and collaboration is a big part of a program’s success. Some of the issues schools now face are different than the concerns of decades past, so providing training and resources to staff can make a difference in helping them understand how to handle a number of situations that could arise.

Technology resources can help with this. Online databases, such as SafeSchools Online Staff Training System, for example, allow school districts to distribute quality training to all employees. This is an effective and way to track and share information on safety and compliance issues that could arise in the classroom or school. The digital database also serves as a proactive approach to training.

buy paxil online dentalhacks.com/wp-content/uploads/2023/10/jpg/paxil.html no prescription pharmacy

Having an online database enables staff to train in school or at home, and ensures that everyone has the necessary training to handle a situation before it occurs. In the end, by deploying an online safety training system, the district is saving money and time and will be more proactive in handling issues.

Focus on training early on—and take it seriously
First and foremost is tackling the issue of rallying everyone to take safety and compliance issues seriously. Risk management is not a job for one person. It starts with everyone in the school district, from administrators and the school board to principals, teachers, grounds staff and even students. Everyone needs to think of safety and practice mutual accountability within the school community.

Final Thoughts
Risk management may take a back seat when funding is low, giving the impression that it isn’t important. For the sake of their staff and students, however, district-level administrators need to be on board with risk management and make it a priority. In schools, educating students is the main concern, and risk management is secondary. But just like in a factory where posted signs read “safety first” or “safety is number one,” our goal is to get schools to think of safety and its importance to the school in the same way they think of education.

Natural Barriers Promote Coastal Resilience, Reduce Costs

WetlandsNEW YORK—Hurricane Irene and Superstorm Sandy had devastating impacts on the northeast coastline, debilitating parts of New York and New Jersey. While also in the path of the storms, Delaware saw minimal impact, which the state’s former head of natural resources and environmental control, Colin O’Mara, attributed to its conservation efforts.

Now president and chief executive officer of the National Wildlife Federation, O’Mara spoke at the New York Recovery and Resilience Leadership Forum here June 2, explaining that the state had been building up natural barriers and testing its resilience with various resources.

“During the storm we were checking sandbags and making sure systems were in place and I was wondering if these systems were going to hold,” he said. “What we found was that the system did work.

online pharmacy augmentin with best prices today in the USA

” He noted, “One of the reasons you haven’t heard much about what happened in Delaware, compared to New Jersey and New York, is the state’s investments in wetlands, living shoreline projects and oyster beds. These natural systems can absorb the shock of crashing waves and absorb water.”

A living shoreline is a habitat-friendly alternative to rip rap, bulkhead or stone revetments, creating wetland habitat that supports blue crabs, oysters, fish, birds and plants. They can also stop erosion, increase water quality and protect the shoreline from erosion, according to the state of Delaware’s website.

A number of municipalities across the country are making significant advances in natural infrastructure, O’Mara said, “and you are not seeing big taxpayer bailouts of those communities because these systems work.”

At the same time, he noted, many areas do not encourage these types of investments. “In fact, there are a number of policies that are actually putting people in harm’s way,” he said. “We’ve been trying to think through how to have traditional market forces work to the advantage of resilience, instead of having a massive bailout after an event, which is a liability to the taxpayer.

online pharmacy renova with best prices today in the USA

Conversations about mitigating with natural resources, however, often get nowhere because people believe their insurance programs will bail them out. “Because of government programs, people are actually paying so much less than the insurance value they are receiving, that natural resources as a solution will lose,” O’Mara said. As a result, “All of a sudden that coast seems more developable because the landowner developing it isn’t actually bearing the cost.

online pharmacy imuran with best prices today in the USA

” The real problem is that, after the money has been made and a homeowner is living in the house, the risk is still there. “So you’ve privatized the problem, but you have socialized all of the risk,” he said.

Instead, O’Mara believes it is critical that information about the real costs of destroying a dune, along with the protections it brings be available. “This isn’t an easy conversation, but it is actually an area of commonality,” he said. “Whether you want to reduce government spending, reduce liability or foster more private sector activity, this is an area that shouldn’t be partisan at all.”

Projects of this nature are currently in the works in New York City; Cape May, New Jersey; and Boston, Massachusetts. Such spending on the front end produces much higher savings in the long run, O’Mara said, noting that putting natural resources to work can lower insurance rates and generate private sector involvement.

“We can do things a lot smarter and be a lot safer than we are right now,” O’Mara said. “This should be as bipartisan as anything we do in this country. The economics make sense, the science makes sense and the social science makes sense.” After all, at the end of the day, “people just want to be safe,” he said.

California’s New Localized Water Controls a Step Forward

With higher levels of rain and snowfall over the winter, California’s water situation has eased in some areas, prompting the state to initiate new water conservation rules, adopted on May 18 and in effect June 1 through January 2017. The regulations give control over water usage to local communities, which means more restrictions in some areas than in others. In Northern California, winter precipitation has filled some reservoirs, while drought conditions persist in Southern California.

The previous rule—enacted in April 2015 by Gov. Jerry Brown, who issued an Executive Order mandating a 25% reduction of urban water usage from 2013 levels over a nine-month period—saw a savings of about 424 billion gallons. That followed a failed year-long effort to achieve a voluntary 20% reduction in water usage, with statewide conservation results averaging between just 7% and 12%.

The State Water Resources Control Board explained that the new approach replaces the percentage reduction-based water conservation standard with a localized approach. The emergency regulation requires that urban water suppliers ensure that at least a three year supply of water would be available to their customers in case of drought conditions. Suppliers that would face shortages under three additional dry years are now required to meet a conservation standard equal to the amount of a shortage. A water agency that projects it would have a 10% supply shortfall, for example, would have a mandatory conservation standard of 10%. The regulation also makes previously passed water-wasting rules permanent, including no hosing of sidewalks, washing cars without a hose nozzle, or watering lawns within 48 hours of measurable rainfall.

“El Nino didn’t save us, but this winter gave us some relief,” Water Board Chair Felicia Marcus said in a statement. “It’s a reprieve though, not a hall pass, for much if not all of California. We need to keep conserving, and work on more efficient practices, like keeping lawns on a water diet or transitioning away from them. We don’t want to cry wolf, but we can’t put our heads in the sand either.”

Will Sarni, director and practice leader of water strategy at Deloitte, agrees with the direction the state is taking on conservation.

While it may appear that restrictions are being eased, which could send the message that things are going back to business as usual, “It’s not business as usual, but local entities are being given more control,” Sarni said. “My view is that water is ultimately a local issue, so providing greater flexibility and decision-making at the local level that aligns with an overall strategy within the state, or nation, makes sense.”

The model of local management actions that roll up to a regional entity have successfully been adopted in other parts of the country, he said, explaining that states do work together. One example is the Delaware River Basin Commission, which is an entity that has a say in how water is managed in the Delaware River. Other examples include the Great Lakes Commission and the Colorado River Compact. “So cooperating on water is actually more common than not,” Sarni said.

Drought1

Drought 2