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9 years ago · by · 0 comments

Emergency Action Plans for When the Unthinkable Happens

No one expects the worst to happen, but sometimes it just does. Whether it is a complete power outage or a fire breaking out in your break room, preparing for the unexpected should be part of your overall safety program.

While prevention should always be your first priority, preparedness may reduce the severity of the event and help maintain your employees’ safety.

Emergency Planning is Your Responsibility

Every company should have a published, well-communicated and practiced emergency preparedness and life safety plan.

The National Fire Protection Association and the Occupational Health and Safety Administration (OSHA) provide codes, regulations and guidance on emergency action and fire prevention plans, including minimum standards. OSHA, in fact, requires a written emergency action plan for workplaces with 10 or more employees. Employers with fewer than 10 employees must still have an emergency action plan, but they may communicate the plan orally to employees.

Of course, a plan is only as good as its effectiveness, when put into action. How would your plan fare in a real emergency? Do your employees know what to do? These are questions to ask before an emergency happens.

Communicating, training and drilling are all essential elements to include in your emergency action plan, and can help make the critical difference in life safety outcomes.

Effective Planning Can Save Lives

In the first critical minutes of an emergency, taking the right steps can help save lives. Planning ahead and maintaining a well-trained emergency team can help make the critical difference.

  • Appoint, organize and train designated staff with their emergency response duties and responsibilities.
  • Document and distribute emergency procedures, including how to notify the fire department, evacuate employees and provide accommodations for those with special assistance needs.
    • Publish instructions for the use of emergency equipment, such as the voice communication system, the alarm system or emergency power supply system.
    • Post procedures for confining, controlling and extinguishing fires.
    • Post procedures for assisting the fire department in accessing and locating the fire.
  • Communicate your evacuation plan to all employees, visitors, vendors and contractors.
  • Distribute the plan to emergency personnel who will be responsible for taking actions to maximize the safety of building occupants, including the fire department and designated emergency management and supervisory staff.
  • Post your evacuation/floor plan exit diagram in clearly visible locations. Assign locations away from the building or job site for employees to gather.
  • Practice drills on a regular basis. Monitor and evaluate drill performance to consider improvements.
    • Include full, partial and shelter-in-place evacuations, designed in cooperation with local authorities, to familiarize employees with procedures.
  • Develop a roll call system to account for all persons and notifications to the fire department of any missing person.

Travelers safety professionals see a broad spectrum of businesses and facilities and understand the plans used to ensure emergency preparedness. Every day, we share our insights with our customers to help keep their businesses, and most importantly, their people, safe.

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9 years ago · by · 0 comments

Create a Business Continuity Plan in Four Steps

There are many reasons why your company needs a business continuity plan. Having a strategy – before an event happens – helps to maximize the chance your business can recover while minimizing the loss of property, life and assets.

Developing your business continuity plan should be a thoughtful process resulting in a plan that can be beneficial to you if an event occurs.

Start by assembling a team of key decision-makers who will lead your continuity planning efforts. Senior management, team leaders and anyone with in-depth knowledge about business operations should be included.

4 steps to an effective business continuity plan

Four Steps to Developing an Effective Business Continuity Plan

  1. Identify threats or risks

    Understanding the risks that could leave employees, customers, vendors, property and operations vulnerable is fundamental. Threats can include, but are not limited to natural disasters, malicious attacks, power outages and system failures.

    Identify the risks most likely to occur based on historical, geographical, organizational and other factors. Then weigh the probability of each event against its potential impact to your business, as well as your readiness to respond.

  2. Conduct a business impact analysis

    Identify the people, places, providers, processes and programs critical to the survival of your business. What functions and resources, if interrupted or lost, could impact your ability to provide goods and services or meet regulatory requirements?

    Consider who and what is absolutely necessary to restore critical operations. Then prioritize the need to restore each item after the event. Plan to use limited resources wisely. Complementary functions can always be restored later.

  3. Adopt controls for prevention and mitigation

    Prevention and mitigation planning and activities are intended to help prevent an event (such as a fire or explosion from unsafe conditions) as well as to reduce the impact or severity of an event (such as relocating critical equipment to a higher elevation in flood-susceptible areas).

    Your prevention and mitigation plans should address, among other things, emergency response, public relations, resource management, and employee communications.

  4. Test, exercise and improve your plan routinely

    A business continuity plan is an evolving strategy that should adapt to your company’s ever-changing needs. Test and update it regularly – yearly at a minimum  or any time critical functions, facilities, suppliers or personnel change. Train employees to understand their role in executing the plan, too.

    Exercises can include discussions or hypothetical walk-throughs of scenarios to live drills or simulations. The key is to ensure the plan works as intended.

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9 years ago · by · 0 comments

2015 Business Risk Index Summary

Cyber and workforce risks rising concern for U.S. businesses.

American business leaders worry about the same major risks as they did in 2014, however rising levels of concern over cyber risks and the ability to attract and retain talent have shifted the ranks in some subtle and no-so-subtle ways.

Top Risk Concerns chart

1. Medical Cost Inflation – Medical cost inflation still leads the list of top perceived risks despite a nearly 10 percentage point drop in general concern from 67% in 2014 to 60% in 2015.

2. Cyber Risks – Making the greatest leap from fifth in 2014 to second this year, concern over cyber risk has grown considerably, particularly among large businesses. In fact, 9 out of all 10 industries surveyed report cyber risks and data breaches among their top 5 concerns.

3. Increasing Employee Benefit Costs – Closely related to concerns over medical cost inflation, worry over increasing employee benefit costs, has also fallen, from 62% to 56% since last year.

4. Legal Liability – Although general concern over legal liability has decreased only 2% since last year, its ranking has dropped to fourth from third in 2014.

5. Attracting & Retaining Talent – U.S. businesses are increasingly worried about the challenge of finding and retaining skilled labor, with a 3% increase since last year resulting in a jump from last to fifth on the list of top risk concerns.

6. Regulatory Compliance – Nearly unchanged since last year, among the 51% of all businesses concerned about complying with laws and regulations, 29% worry a great deal.

7. Broad Economic Uncertainty – U.S. business owners showed a slight reprieve from worry over the economy, with concern about broad economic uncertainty down in level (by 6%) and ranking (by 4 places) since 2014.

Many U.S. Businesses Still Feel Unprepared for Top Risks

While the ranking of top concerns may have slightly shifted, the gaps between how much U.S. businesses worry verses how prepared they feel to manage these risks remains large. In fact, the top risk concerns are often among the 3 to 5 risks businesses feel the least prepared to handle. Furthermore, only 50% of companies report having a written business continuity plan.

Global and Political Conflict, Extreme Weather Emerging Concerns

While not quite making the cut of top risks, concern over geopolitical conflict has risen significantly among U.S. business leaders. One-third surveyed (32%) worry about global and political conflicts, while one-quarter believe political unrest is of greater concern today than it was five to 10 years ago.

More than half of all business surveyed (52%) believe the frequency of severe weather events has increased over the past few years. More importantly, one-third believe these increases in extreme weather also increase the threat of damage to company property and equipment.

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9 years ago · by · 0 comments

How to Create a Safe Workplace with a Safety Management Program

There are good reasons to take safety seriously. In 2012, there were, on average, 89 workplace fatalities a week.1 An estimated $1 billion is paid by employers in direct workers compensation costs every week.2

A safe work environment does not happen by accident. Management must be fully engaged in creating, planning, implementing, communicating and making sure safety programs work and are designed to fit the business. Most importantly, employees have to understand their role in making their workplace safer.

Eight Key Components of a Safety Management Program

Your safety management program should incorporate the following 8 key components:

  1. Demonstrate management involvement – Management must lead by example. A visible demonstration that you embrace a safety culture is imperative to its success. Provide the essential time, budget and resources to create and support a safety program.
  2. Communicate your safety plan clearly – Your safety plan must be published and available to all employees. Reminders and updates should be timely and effective. Allow employees to contribute their suggestions to making the workplace safer.
  3. Get everyone involved – A safety program is likely to be more effective when employees at all levels are involved. Standardized policies should outline responsibilities and accountability for all employees. Safety goals can become part of job descriptions and employee reviews. Safety committees can help ensure that safety practices are understood and reinforced throughout the company. Positive reinforcement of safe behaviors can be an effective way to help build the desired culture.
  4. Train your employees to work safely – Safety training should begin from the moment an employee is hired. Ongoing training is also essential to creating a safety culture.
  5. Review, revise, improve – A safety program should be dynamic, especially since most business environments continue to evolve.  An effective safety program should be flexible enough to adjust to changes. Regularly review, evaluate and identify risks that could affect safety, and make the changes necessary to keep your workplace safe.
  6. Create safety standards – Each department should set safety standards through a Job Safety Analysis (JSA) to make sure every task is done correctly and safely. Recognize good safety performance, and cite and correct unsafe practices.
  7. Investigate every incident and accident thoroughly – Properly trained staff with experience in investigation, analysis and evidence collection should conduct an accident analysis as soon as possible after an incident. Report the claim within 24 hours to help ensure prompt response and injury management.
  8. Manage every injury – Even with the best safety program, an employee injury can still occur. Planning helps you to react immediately when an employee is injured on the job. Learn about five strategies that can help you put employees on the road back to productivity.

While initiating a comprehensive program can seem like a major hurdle to safety, we can help businesses like yours take the necessary steps to begin creating a safety culture.

Get Manufacturing Resources that Can Help You Turn Risk into a Business Advantage >

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9 years ago · by · 0 comments

Managing Your Intellectual Property (IP)

Managing Your Intellectual Property

When businesses consider Intellectual Property management, they often think about protecting their own assets, in the form of copyrighted material, trademarks, patents and trade secrets. But businesses also need to ensure that they are managing the IP rights of others, according to Kirstin Simonson, a Segment Lead in Global Technology at Travelers. “This is especially true in the technology sector, which faces some of the most complex IP issues,” says Simonson.

One common violation of intellectual property is software copyright infringement. A common scenario may include a company that purchases software licensing rights for 400 employees, and then fails to update the licensing for an additional 100 employees later added to staff. According to a BSA Global Software Survey, they found that 43% of the software installed on personal computers in 2013 was not licensed.¹

Why Businesses Need an IP Risk Management Program

The survey also reported that only 35% of companies have written policies requiring the use of properly licensed software. It also found that there is an awareness gap about software policies between workers and IT managers. Appropriately ensuring the rights of others is an important part of risk management for your organization because IP, in all of its forms, is a critical business asset.

Companies need an IP Risk Management plan because:

  • They may face legal action for copyright infringement and other IP violations.
  • They may have to perform an intensive software audit to prove they have resolved the problem.
  • Use of unlicensed software may put the business at risk for data breaches, data loss or other forms of information security and network security threats.
  • Laws protecting IP can vary greatly around the world, so it is important to understand which ones apply to your business.

Statistic: 43% of the software installed on personal computers in 2013 was not licensed.

What to Include in an IP Risk Management Program

“Like all risk management, a good IP Risk Management Program needs to be proactive and comprehensive from an enterprise perspective,” says Simonson. “Consider IP rights management as a tool for growth, and not something to consider once the product is out to market.”

An IP rights management program should include:

  • The ability to track licensing relationships and royalty obligations.

    • Companies should consider some form of automated tracking to ensure they are not only managing their own IP rights that are licensed to others, but they are living up to the licensing agreements they have in place with third parties.
  • Formal clearance procedure and registration strategy.
    • Engaging legal counsel to perform an IP search may be appropriate in many instances or at the very least, determining whether there are automated tools that can assist in the process.
    • Having a well-defined strategy for determining whether title is clear to the IP, whether it should be registered and how to maintain the registration.
  • Contracting and licensing agreements should include appropriate provisions.
    • Whether it is a work-for-hire arrangement where the IP rights would be assigned to the business or a licensing agreement to use the IP, it is critically important these be spelled out and managed.
  • Response plan or dispute resolution plan in the event someone challenges your IP rights.
    • Just like any peril or loss a business may face, whether it is hurricane, liability allegations arising out of the failure of the product, or a cyber event – a strong response plan when an event happens will save hours and dollars.
  • Education of all employees of what constitutes IP and how their misuse or mishandling can put the company at risk.
    • Train everyone in the company so they understand how they might put the business at risk.

Download the White Paper on How to Protect and Maximize Your Company’s Intellectual Property >

Get Technology Resources that Can Help You Turn Risk into a Business Advantage >

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9 years ago · by · 0 comments

Sunset in the Park Runs


5:00pm – 8:00pm


Please come and enjoy a country run in Toro Park at the magical time of day known as sunset.

With cool temps and beautiful shadows on the course, this time of day provides a great opportunity to run a fast cross country race.

Once again we will offer the

  • Kids one mile, 2.2 mile
  • High School 3 Mile Challenge
  • A 4 mile run
  • A “Sunset Runner” is for those diehard runners willing to race a combine 10k of cross country running by doing both the 2.2 and 4 mile runs with just about a 30 minute break in between.

Come get in a great summer workout and support Hartnell College Cross Country.

This event is open to all ages, abilities, and even dogs!

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

PO Box 1170
Watsonville, CA 95077-1170

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E-mail address:
[email protected]

(831) 661-5697

Available 8:30am - 5:00pm