1. 8/25/2015 2005 Copyright

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3. 8/25/2015 In the 17th century, London's importance as a trade centre led to an increasing demand for ship and cargo insurance. Edward Lloyd's coffee house became recognized as the place for obtaining marine insurance and this is where the Lloyd’s that we know today began. From those beginnings in a coffee house in 1688, Lloyd’s has been a pioneer in insurance and has grown over 325 years to become the world’s leading market for specialist insurance.

4. Top Five Risks 1High taxation 2Loss of customers/cancelled orders 3Cyber risk 4Price of material inputs 5= Excessively strict regulation 5= Changing legislation 8/25/2015

5. Other Fears 13 Reputational risk 14 Corporate liability 19 Theft of assets or intellectual property 23 Supply chain failure 28 Industrial/workplace accident 29 Pollution and environmental liability 8/25/2015

6. Other Fears 41= Riots and civil commotion 41= Flooding 44 terrorism 45 Windstorm 48 Earthquake 8/25/2015

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8. What’s The Big Deal? Would you be surprised to know that 80 percent of businesses that experience a data breech do not recover? Responding to a data breach is not only costly (an estimated $200,000 avg.) it’s complex. 8/25/2015

9. Is That All? Experts from multiple disciplines; forensics investigators, legal counsel and public relations firms, may be needed to coordinate a response to even the smallest incident. In some instances the cost of a forensics investigator alone can reach up to $340,000 8/25/2015

10. What Else? The Health Insurance Personal Privacy Act The Federal Information Security Management Act Veterans Affairs Information Security Act The Health Insurance Portability and Accountability Act 8/25/2015

11. What Else? Clinical Health Act Gramm-Leach-Bliley Act Federal Trade Commission Act Fair Credit Reporting Act Payment Card Industry Data Security Standard (PCI DSS) Securities and Exchange Commission Regulations 8/25/2015

12. Anything Else? Watershed: Target Recent: Home Depot Personal: Hawk Agency, Inc 8/25/2015

13. SOLUTIONS Cyber Hawk “Night Hawk” “Broad Winged Hawk” “Cyber Hawk” 8/25/2015

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15. Illinois Law Effective Jan 1, 2014 Poorly Written Develop Through Case Law Conflicts with Federal Law Enforcement Problems 8/25/2015

16. Employer Practices Liability “Good Faith Effort” to Determine Impairment Wrongful Termination EPL Response 8/25/2015

17. Employee Handbook Anti-drug Policy Statement Drug Possession Policy Operating Under the Influence Prescription Drug Use 8/25/2015

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19. Illinois Law Effective Jan 1, 2014 Last State in U.S. Most Restrictive in U.S. Will Evolve Through Legal Challenge Enforcement Problems 8/25/2015

20. Employee Handbook “Gun Free Zone” Parking Lot? 23 Places 8/25/2015

21. Employee Handbook Anti-firearm Policy Statement Firearm Possession 8/25/2015

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23. Emerging or Evolving Risk Heat Stroke Ebola Vaping Kidnap & Ransom 8/25/2015

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25. 8/25/2015 Out of Pocket Premiums Deductibles Fines & Penalties Risk Manager/Department Measure/Monitor 2005 Copyright

26. 8/25/2015 “Soft” Costs Organizational Focus Reputation Employee Morale Uncertainty 2005 Copyright

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28. 8/25/2015 Old Paradigms “Who’s Your Buddy?” It Isn’t What You Know… Price is the Only Consideration “Generalists” are OK Mediocrity is OK 2005 Copyright

29. 8/25/2015 New Reality This is the Information Age Everything is Moving at Lightspeed New Risks are Emerging/Evolving Daily No One Can Know Everything Success is a TEAM of professionals 2005 Copyright

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31. 8/25/2015 …IN A RISK MANAGER Relationship Management (100+ yrs) Product / Price / Markets (50 yrs) Diagnose / Provide Solutions (25 yrs) Valued Added Services (15 yrs) Emerging / Evolving Risk (Today + ) 2005 Copyright

32. 8/25/2015 Recap (one more time)

33. 8/25/2015 Risk Identification Cyber Liability Medical Marijuana Concealed Carry Others (Heat Stroke; Ebola; Vaping; K&R) Total Cost of Risk What Smart CEOs Know 2005 Copyright

34. CASH IS KING? NO, KNOWLEDGE IS KING! 8/25/2015

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