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PMA Insurance Group
April 2007
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Emergency Preparation Starts with a Good Plan


Crises occur every day and often too quickly and too unexpectedly to be prevented. Some are widespread disasters like hurricanes and tornados and others are isolated incidents like fire and flood that may affect only your organization or some of its locations.

Authorities estimate that at least 25 percent of businesses that close due to a disaster never reopen their doors. Whether large or small, crises, disasters and emergencies have one thing in common - they test your organization's resolve and your staff's ability to respond. So what's your best course of action now, when things seem relatively calm and a crisis doesn't look to be anywhere on the distant horizon? Plan for one.

Statistically, it is most likely that your organization will face crises like power outages, fires, floods and severe storms. For these more common crises, many companies already have emergency action plans in place that identify key response personnel and include an established line of communication with local emergency authorities and a list of contractors who can respond promptly to make repairs and limit business interruptions.

But today's risk market also emphasizes the importance of preparing plans that include responses to acts of terrorism and relatively unknown scenarios such as a flu pandemic. While most people understand the effects of fires and floods and the associated recovery process, many have little understanding of the full impact of a crisis such as a flu pandemic. The World Health Organization (WHO) estimates that the world may be close to experiencing a flu pandemic the likes of which we haven't seen since 1918 when more than 50 million people died worldwide.

As such, it makes sense to build preparations for a flu pandemic into your new or existing emergency action plan. According to the Centers for Disease Control and Prevention (CDC), a flu pandemic would likely come and go in waves with each wave lasting six to eight weeks. That means  for several months as much as  25, 50 or even 75 percent of your workforce could be home sick.

Imagine that scenario. Once a few people are sick, will the remaining staff be willing to come to work? More and more employees would have to work from home to recover and prevent spreading the flu. How many employees currently have full remote access? Will your Virtual Private Network (VPN) have the capacity to handle a 25 or 50 percent increase in its number of users? Can you identify the key functions you need to keep operating for your company to survive?  In short, would you be ready?

The key to recovering from an emergency - whether it's a fire, flood or flu pandemic - is how you respond when it occurs. And for an effective response, you need a proper plan. Emergency planning is a fairly simple process, but it must be initiated well before a crisis and requires careful planning as well as ongoing review in order to be effective. The good news is that you don't have to be a risk professional or have a risk manager on staff to develop a cogent emergency action plan. In fact, you can use the four phases of emergency management (planning, mitigation, response and recovery) as a guide for developing your organization's plan. Your PMA Risk Control Consultant can also provide guidance and assistance throughout the process.

Planning

The first phase of emergency management involves considering the likely and not-so-likely disasters that your organization may face and which of your operations may be vulnerable to their effects. You should review your operations to identify the activities that could be interrupted by the internal and external conditions resulting from a disaster or emergency. Then take steps to evaluate each activity and identify solutions to keep them running. Planning for disasters will provide your staff with guidelines for how to react to a variety of situations and scenarios.

Other components to consider for your plan include but are not limited to: 

  • Identifying key staff who must be available and accessible when needed
  • Specifications for computer systems needed for your staff
  • Identifying key customers with whom you will need to communicate
  • Identifying alternate locations from which you can operate

Mitigation

After identifying and evaluating the potential impacts of a disaster, the next step is the process of  minimizing - or mitigating - their potential effects on your operations. Computer system data backup is the most common form of mitigation practiced by today's businesses. Data backup ensures that work and important records will not be lost in the event of a failure of a computer system or even the loss of an entire facility.

Other mitigation efforts include:

  • Operating from more than one office to provide alternate facilities
  • Generators to provide emergency power to your facility
  • Agreements with other companies to assist one another in times of need

Response

The response phase involves putting into action your plans for the given scenario in order to overcome obstacles and maintain operations. Deploying key staff to your alternate location, setting up computers and recovering your backup data will likely be elements of your response plan. These elements are in addition to the resources available from your local Office of Emergency Management, which focuses on assisting the community at large in the event of a crisis. You should consult with your local emergency managers to ensure that your plans will work effectively and to uncover potential areas of collaboration.

Communicating your plan to all of your staff members is also critical to ensure that everyone understands his/her role during a crisis. You should test your plan with simulated emergency exercises to identify any weak areas where adjustments may be needed and to gauge your response time and effectiveness. The response and implementation of your plan will help you maintain your critical operations and serve your customers as you move to the recovery phase. Consider the case of a meat processing company that needs to manage occasional recalls. In a recently simulated crisis involving meat contamination, the company tracked down all of its products along the East Coast in just a few hours and quickly recalled them. How? By following its emergency action plan every step of the way.

Recovery

In this final phase you pick up the pieces - literally - by repairing the damage to your facilities or equipment and returning to normal business functions. The recovery phase is expedited and easier when the other elements of your emergency management program have functioned as designed. Operating from alternate locations or using partner organizations to fulfill some of your orders will allow your staff to continue serving your customers while your operations are being restored to normal.
Ultimately, an effective emergency operations plan will help to ensure that your organization can survive crises, emergencies and challenges large and small. Your ability to continue operating in those tougher times is essential to demonstrating to both your current and prospective customers that your organization is a first-class operation that will be there to meet their needs.

Next Steps

If you're already thinking about how you can get your emergency action plan started, here are a few helpful places to begin.

  • Review additional information on our web site at www.pmagroup.com. From our "Services" menu select "Risk Control Services" for more information including general risk control services, emergency action planning assistance and technical reports from The Engineering and Safety Service.
  • Also via our web site, log into the Institute for Business and Home Safety (IBHS) to download an interactive "Open for Business" Property Protection and Planning Toolkit. According to IBHS, more than 20,000 copies of the toolkit were downloaded last year alone. And it's available to you for free through our partnership with IBHS.
  • Contact your PMA Risk Control Consultant who can help you to address the specific emergency management needs of your organization and to develop an emergency action plan to meet them.

ADDITIONAL RESOURCES

The American Red Cross
http://www.redcross.org

Centers For Disease Control & Prevention
http://www.cdc.gov

Federal Bureau of Investigation
http://www.fbi.gov

Federal Emergency Management Agency
http://www.fema.gov

National Safety Council
http://www.nsc.org

Occupational Safety & Health Administration
http://www.osha.gov

U.S. Department of Transportation
http://www.dot.gov

U.S. Environmental Protection Agency
http://www.epa.gov

U.S. Postal Service
http://www.usps.com

 

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