1 Disaster Planning and Recovery Prepared for: Presented by: Scott McGinness, CIC, CRM Terry Ford, JD, CRM October 28-30, 2013

2 Planning: Establish the Team Team members will help build the plan, and put it into action Seek employees from all functional areas Provides a broad perspective Multiple team members enhance the visibility and stature of the process Members should be familiar with the facility Each member has responsibilities before, during and after the disaster

3 Planning: Assess the Exposures/Hazards FireWindEarthquakeBlizzards DiseaseCollapseFlood ViolenceWildfiresCyber Attacks TsunamiLoss of PowerExplosion Chemical ReleaseSinkholeTornado Kidnap& Ransom PoisonTerrorism Extreme Heat / ColdSmoke ice stormsNuclear accident

4 Planning: Build the Plan Plan Components: Policy Statement Planning & Response Team Identify Sources for – Emergency Services – Generators / Power – Food / Water – Alternate Communication – Building Materials / Repairs – Alternate Guest Lodging – Insurance Recovery Plan Guest and Employee Safety and Evacuation Minimization of Damage Avoiding a Disruption Alternate Guest Accommodations Adequate Warning / Communication (before, during and after) Employee Training Plan Objectives:

5 Planning: Adequate Insurance What Insurance Coverages are Needed? Property insurance covering Buildings, Contents and Business Income Business Income: – Pays for continuing expenses (rent, payroll etc.) along with lost revenue resulting from a disruption – Also covers the “extra expenses” needed to avoid a disruption – Discuss with agent – maintenance fees are not always recognized as “revenue” by the carrier Many perils are not automatically covered: – Earthquake, Wind, Flood, Terrorism, Utility Interruption, Cyber attacks all require special attention

6 Planning: Adequate Insurance Other Insurance General Liability, Auto, Boiler & Machinery / Equipment Breakdown (often overlooked), D&O, Crime, Cyber Liability, and more Recommendations Verify which perils are covered under the Property policy Verify that Bus. Int. insurance will pay for loss of maintenance fees, and cover alternate accommodations Have a building appraisal on hand – will help expedite the claim and avoid a poor settlement Consider “Ordinance or Law” coverage – provides additional coverage for the enforcement of building codes or laws such as ADA. Also includes other coverage enhancements

7 Recovery Conduct a roll call – employees & guests Assess the Damage Notify appropriate parties: -Emergency services -Insurance representative -Pre-arranged sources for clean-up, supplies, power, alternate accommodations, etc Check for safety hazards Photograph and document

8 Information Sources Insurance Representative / Carrier Online Resources: – FEMAwww.ready.gov/ – IFMAwww.ifma.org/know-base/browse/ /emergency-preparedness – SBAwww.sba.gov/content/disaster-planning – CDCwww.bt.cdc.gov/disasters/ – Red Crosswww.readyrating.org/