The fire sparked in a back room at Apple Growers Ice & Cold Storage Co., at 850 W. Beach St., around 3:30 p.m on Wednesday 4/20/2011. The blaze is a challenge for fire crews. The massive building, about 100 yards long and a block wide, was constructed in the 1920s using heavy timbers, solid concrete and cork—which is packed into the walls to keep the facility cool.
The flames ignited in a back room packed with Martinelli’s apple cider. In fact, most of the building was full of apple juice from the company, which has a manufacturing facility across the street. Heavy smoke billowed from the cavernous building for more than an hour as fire crews from Salinas to Scotts Valley got in place.
About two hours in, three ladder trucks lined up along the roof-line of the building. The first sprayed water onto the smoldering structure as a half-dozen firefighters used to the second truck’s ladder to get onto the roof. The roof burst into flames, shooting fire at least 20 feet into the air while black smoke billowed towards town. The firefighters retreated from the roof, repositioned the truck and used its ladder to shoot a second stream of water onto the fire. As the fire pushed through the building, the third ladder truck set up on West Beach Street to hose down the flames licking through the aging structure. At the high point, 16 fire engines, three trucks and a small legion of brass from every most every fire department in the region. The cause of the fire was unclear Wednesday night.
Scurich Insurance can help you cover your business from fire damage with Business Insurance.
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Watsonville, CA 95077-1170
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After risk analysis, the next step is to create a risk management plan. This plan contains the risks and details of how to deal with them. The methods to deal with different risks are based on the evaluation of the risks. This step is also called Risk Assessment. The assessment of risk is done using a numerical scale and measuring the impact of different risks. This results in a chart where each risk carries a numerical strength against the constant number. Based on the numerical strength of a risk, managers decide how to treat the risk.
A risk treatment plan explains the action plan for each identified risk. Note that it is not possible to identify all the risks associated with any project. Some risks are unexpected and need to be managed based on the immediate assessment of the risk. For identified risks, there are four methods of treatment:
•Avoidance – Avoid the risk partially or in whole
•Reduction – Employing methods to reduce the negative impacts of risks
•Sharing – Sharing/outsourcing the risk component to a third party, which is better equipped to handle such risks
•Retention – Acceptance of the risk, normally in cases where the gains from the risk component are far higher than the negative impacts of the risk
It is important to have a plan for when things go wrong. Operational risks can lead to catastrophic financial losses. Examples are employee errors, system failure or natural disasters. It also covers protecting yourself and your business from fraud. Having adequate insurance is not always enough; you may be covered for the loss of items in a flood, but are you covered for the days your business is not operating? Contingency plans assess what happens if you business is down for an hour, a day, a week or month.
Knowing how you will fulfill orders whether you subcontract things and make lesser profit but retain customers is an essential part of mitigating operational risk. Talk to your insurance agent about adding a rider that covers you for down time as well as liability insurance should an employee defraud your company or your customers. If you are at risk for a computer system going down, look into a backup server and have IT personnel familiar with your system prepared to get to work if needed. These may be subcontractors who are familiar with the system but not on payroll unless needed.
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The fire sparked in a back room at Apple Growers Ice & Cold Storage Co., at 850 W. Beach St., around 3:30 p.m on Wednesday 4/20/2011. The blaze is a challenge for fire crews. The massive building, about 100 yards long and a block wide, was constructed in the 1920s using heavy timbers, solid concrete and cork—which is packed into the walls to keep the facility cool.
