Be Ready with Crisis Care
Incident recovery for small to mid-size businesses
Crisis incidents are on the rise. And given the growing unrest in the country and the return of employees to the office, that number is expected to continue to rise.
When such an incident occurs, the effect on businesses and employees can be devastating - economic loss, shuttered offices, increased turnover and lowered employee morale. That’s why we offer Crisis Care to help support businesses and employees as they move from tragedy to recovery. And we’re there every step of the way, even employing helpful preventative measures.
If it does happen, will your customers Be Ready?
How does HSB Crisis Care define a work-related incident?
Work-related incidents, as defined in HSB’s Crisis Care coverage, is any act or threat of physical violence involving a weapon in the workplace. It also includes workplace homicides, whether a weapon is involved or not. And, with the rise of hybrid working, we’ve enhanced our coverage to “follow the employee”. This means that employees are covered at additional areas where they are doing business, including:
- Off-premise locations where regular job duties occur
- Company special events
- Anywhere in the coverage territory if it is deemed the employee was targeted due to their relationship with the targeted entity
When it comes to Crisis Care, HSB has you covered
The recovery process begins with counseling services. These services are available to help employees and their immediate family members begin the healing process. Counseling services include sessions with a licensed mental health counselor. Counseling is also available to guests who are present during a crisis incident.
In many instances, a crisis management, legal, or public relations firm may be needed to help manage communications with employees, the media, the public, customers, clients, suppliers, or vendors.
After certain incidents, there may be a need for heightened workplace security. Available services range from a professional security assessment to extended security guard services for the insured premises.
Preparedness and prevention
At HSB, we feel it is equally, if not more important, that the coverage begins before the incident occurs. That's why we now offer several preventative measures to help ensure against work-related crises. Including:
- Communications response planning
- Emergency management planning to respond to future incidents
- Vulnerability audit to pinpoint operational weaknesses
- De-escalation training for employees
- Written workplace security assessment to identify physical security deficiencies
Lost income and extra expenses
Our Loss of Business coverage provides lost business income and extra expenses that are incurred as the direct result of a crisis incident at the insured premises. Extra expense includes costs to move operations to a temporary location or costs associated with hiring temporary staff following an event.
Why HSB Crisis Care?
In an effort to continuously improve our coverage and care, we’ve expanded Crisis Care to include:
- Funeral and burial expenses
- Expanded counseling
Now includes guests present during an incident
- Travel expenses