1. Crisis Protection Ariel V
Crisis Protection Ariel V. Jenkins, Assistant Vice President – Risk Services CSP, MBA, ARM-E, ARM-P

2. Agenda Background and History of Crisis Protection Program
Discuss when it can be used
Benefits of Crisis Protection

3. What is Crisis Protection?
A benefits program for policyholders to assist with managing the aftermath of a domestic or international extraction crisis event
It is not coverage

4. Why did we create this service (Crisis Protection?)
In response to devastating crisis events that have impacted our policyholders
To help our policyholders minimize post-crisis risk
To provide a valuable service/benefit not covered by workers’ compensation insurance

5. Incidents that led to Crisis Protection
Sandy Hook: 27 people killed by gun violence, including 20 children between 6 and 7 years old, 6 adult staff members, and the assailant’s mother.
City of Kirkwood, MO (7 shot; 6 killed and 2 wounded) 
2 police officers, the public works director, 2 council members, the mayor, and a reporter were all victims of gun violence.

6. City of Virginia Beach 5/31/19
Multiple claim occurrence with 12 fatalities and 4 surviving gunshot wound victims with many other claims for slips and falls and psych related claims 

7. History of Crisis Protection
33 notifications since 4/2014
At least 52 employee victims
Incident Type
Count of Crisis Event Category
Bombing/Shooting 1
Drowning
Explosion Accident 2
Fatality - Wastewater Treatment Plant
Heavy Equipment Accident
Machine Injury
MVA 6
Unknown Fatality
WPV - Employee shooting 12
WPV - EMT and Police Officer Shooting
WPV - Guards Shot
WPV - Police Officers Shot 5
Grand Total 33

8. Domestic Crisis Event Multiple employee deaths (two or more) resulting from the following:
Man-Made Events
Explosion
Arson
Bombing
Workplace Violence
Structural Fire
Vehicular Accident
Natural Disasters
Tornado
Explosion
Wildfire
Structural Fire
Earthquake and any resulting Tsunami
Hurricane
Flood

9. Domestic Crisis Event Benefits
It is a benefit of up to $50K annual, aggregate per policyholder, per policy year
Includes benefits such as Crisis Counseling and Crisis Communications / Public Relations
Crisis Counseling benefit extends to immediate family members of employees directly involved in Domestic Crisis Event
Can reimburse for other approved expenses related to Domestic Crisis Event

10. International Extraction Crisis Events
Involving at least one policyholder domestic employee traveling internationally on business
Employee extraction necessitated by natural and man-made disasters including Riot, Government Collapse & Political Unrest
Covers countries not listed on the U.S. Department of State Warning Country List or the U.S. Department of the Treasury Sanctioned Country List
“WE EMPLOY FORMER NAVY SEALS, ARMY RANGERS AND DEFENSE INTELLIGENCE AGENCY ANALYSTS TO PLUCK PEOPLE FROM PRECARIOUS SITUATIONS WORLDWIDE”

11. International Extraction Services Benefits
Reimbursement for approved expenses to extract or evacuate an employee following an International Extraction Crisis Event
$50,000 annual, aggregate per policyholder, per policy year, for funding these services
Not a separate $50,000 benefit for each type of event ($50K for one type of event or the other)

12. Crisis Protection: Tidbit of Advice
Avoid an afterthought approach by proactively knowing resources and who to contact before crisis
Using Crisis Protection resources within the first 48 hours is preferred, as most impactful
Delayed response reduces likelihood of services being used and maximized

13. On the Horizon Crisis Protection for General Liability Policyholders
Pre-loss resources: Resiliency Model