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Published byDale Carpenter Modified over 9 years ago
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Preparing for Disasters General Liability
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Introduction The one coverage that provides you and your business the most protection is General Liability. The CGL, or Commercial General Liability policy provides basic liability protection against the most common sources of liability loss for businesses and their owners.
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Definition Liability: In the context of general liability insurance, it means “damages for which a business is legally liable.” Legal liability is determined through the courts system. General liability coverage responds if you are sued for damages, and lose in court. Damages include the familiar bodily injury and property damage, but can also include a number of other types of occurrences, which are discussed below.
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Suggested Plan Outline Purpose Roles & Responsibilities Definitions Procedure –Preparation –During –Post Event Training Attachments –Phone list –IT plans –Supply List –Incident Critique
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Internal & External Threats Utility Failures –Electrical failure, generator failure, fire alarm failure, information systems failure, sewage, telephone systems, water main breaks, heating/ air conditioning systems Weather-Related Hazards –Snowstorm, ice storm, severe cold, extreme heat, humidity, flood, tornado, hurricane Structural Hazards –Fire, smoke, chemical or hazardous material spills, gas leaks, flooding
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Roles & Responsibilities It is important everyone know their role and responsibilities during an emergency situation. This will prevent any confusion that could potentially lead to increased property damage or employee injuries. Roles and responsibilities should be clearly defined within the company’s Disaster/Emergency Action Plan.
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Procedures – Preparation Identify emergency supplies Identify business-critical records Inventory equipment Have a camera/video equipment available Employee & Staff Phone Lists Client contact information Have evacuation/relocation maps posted
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Procedures – Impending Emergency Communication – the who and how –Cell phones are a great invention! –Make use of recorded messages –Know which large companies will have plant closing information broadcast on local TV/radio Track weather developments Move electronic equipment, if necessary Relocate critical paper records, if necessary
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Procedures – During Communication Know and identify emergency signals Evacuation routes (maps) along with alternative routes if principal routes are obstructed Evacuation and relocation procedures should be detailed in your plan Accounting for employees after the emergency Address how people needing assistance will handled. Contact person for emergency response personnel
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Procedures – Post-Emergency Communication Ensure all persons are accounted for Assess any damages/take pictures Clean up and secure Address how operations can continue if branch office sustains minor to moderate damage Address how to relocate operations if branch office sustains severe damage Insurance
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Training Training should be given specific to the assignment site’s facility procedures –As the employer, it is your responsibility to ensure your employees have been properly trained. A recommendation is also made to document safety training (agendas, sign in sheets, etc.) Fire, tornado, hurricane, and other weather-related emergencies
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Attachments Phone Lists IT Plans – data back up Supply List Incident Critique
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Summary A well-developed plan with proper employee training results in fewer, and less severe, injuries and less structural damage to the facility. A poorly-prepared plan leads to a disorganized evacuation or emergency response, resulting in confusion, injury and property damage.
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