The Official RJWestmore Blog

Make sure your insurance is sufficient to cover your commercial property.

With the recent earthquake in Haiti and hurricane in New Orleans, people are keenly aware that disasters can and will happen. And when they hit, they can wreak havoc on residential and commercial property. But never fear. The best way to deal with an emergency is to prepare for it in advance.

So, in light of the Haitian earthquake and Hurricane Katrina, take time to review your disaster-related evacuation planning and tenant safety issues. And then, review and evaluate your insurance policy to make sure you have adequate coverage. Although people often groan about paying high insurance premiums, covering them beats the alternative of facing an uninsured disaster that could literally ruin your business as well as your reputation.

The primary type of insurance for commercial property owners is commercial property insurance which covers the physical structure from various types of natural or manmade disasters.  Here are some tips for choosing or renewing property insurance coverage:

• Make sure your building is current with regard to all safety codes before you apply for new coverage or try to renew an existing policy. If the insurance agent who reviews your property finds evidence of safety violations, he or she might fail to recommend the property to underwriters.

• Remember that insurance companies are not code enforcers. Their concern is for the building and the potential loss of value. Ensuring the safety of tenants is a shared responsibility between the building owner/manager, the tenant/employers and every individual person in the building. There is a proven correlation between individual training and preparedness and life safety.

• Find out if the policy provides reimbursement for alternative work accommodations. If your building is severely damaged, would you be able to offer temporary facilities for displaced workers?  Remember that securing building permits for repairs can take weeks or months. So make sure that your insurance is sufficient to cover construction and code-approval time.

• Carefully review whether the policy allows for “actual cash value” or “replacement value?” Actual cash value factors in depreciation of the insured object, while replacement value reimburses policy-holders for the current cost of replacing the lost or damaged item.

• Watch out for “Exclusions,” which are big in the world of insurance. Check the policy carefully for anything that might not be covered. Are you in a flood plain? If so, make sure flood-related disasters are covered. Vandalism coverage should also be considered since manmade damage can lead to costly repairs. Some policies cover every type of disaster. In other cases, you might find it necessary to add a la carte coverage.

• Look at what the policy covers beyond the building. Are furniture, equipment and electronics included? All of these items can be costly to replace.

• Make sure you take time to read the “fine print” in your property insurance coverage. Proper coverage today can save your business tomorrow.

• Consider other types of insurance such worker’s compensation, liability, and vehicle coverage.  Insurance is such a comprehensive subject that we’ll cover more about it in future blog posts. So be sure to check back in the weeks ahead.

For the latest emergency management training for property owners and facility/building managers, contact RJ Westmore, Inc. Our e-based system offers the best emergency training available, with automated and integrated features. Visit RJWestmore.com for more information and remember to BE SAFE.

Make sure you know how to exit your building in case of emergency.

It’s human nature to panic when disaster strikes. The result can be confusion, indecision and failure to react quickly. If, on the other hand, written procedures are followed, groups understand safety procedures and individuals are properly trained to take charge of the situation, evacuation can be swift, smooth and safe.

Let’s take a look at the necessary steps to ensure quick and thorough building evacuations:

• The first step is to consider the type of emergency situation.
  • In cases of fire, the primary objective is to clear the entire building as quickly as possible.
  • For tornadoes, a safer option might be to instruct people to congregate in a large room located on the first floor instead of meeting outside. As always, proper preparation and written procedures are essential.

Employees and tenants need to be willing to take direction from the people who are in charge and feel confident that building management has control of any and every situation. Ensure there is a clear chain of command. Employees and tenants need to be willing to take direction from the people who are in charge and feel confident that building management has control of any and every situation.

Floor Wardens need to take charge and understand their responsibilities:

• Know the proper evacuation routes and internal and external safe refuge areas.
• Note any building occupants who need special assistance and assign someone to assist them.
• Familiarize residents and employees with the location of alarm pull stations and (if they are properly trained to use them), fire extinguishers.
• Instruct employees not to use elevators during emergencies unless instructed to do so by emergency personnel.
• Evacuate any pets that are in the building.
• Designate which tenants or employees should shut off gas lines or other equipment. Advise them to fulfill these duties only if absolutely necessary.
• Building occupants should be given up-to-date evacuation maps and safety handbooks.
• Stairwells and hallways should be kept free of boxes and other impediments. Routinely investigate these areas and work with building occupants to determine if additional storage space is necessary so hallways are clear of clutter, to ensure easy emergency exit.
• Pay special attention to signage. Do a walkthrough of the evacuation route with your entire safety team. Is the escape route clear? If the power is out, will back-up lights and clearly marked egress signs be visible?
• Establish a secondary meeting area in case the designated space is not usable. In major disasters, the primary exterior safe refuge area (located at least 300 feet away from the building) area(s) may be compromised. So plans should be made for secondary external safe refuge areas.

When disaster strikes, pre-planning, training and clear decisive action can help save lives. For the latest, most effective, building-specific e-based emergency management training for your building, contact RJ Westmore. Our new Version 2.0 training system offers the best in emergency training, free color aerial photograph safe refuge evacuation maps and full automated and integrated features that make training 100% of your occupants or employees both realistic and cost effective. Visit RJWestmore.com for more information and remember to BE SAFE.

An third-party auditor will evaluate your safety preparedness.

The Department of Homeland Security announced a new program on October 16, 2009, called PS-Prep (Voluntary Private Sector Preparedness Accreditation and Certification Program). The initiative was created to provide a voluntary accreditation and certification assessment for use in the private sector.

PS-Prep will assess whether a private sector organization—such as a commercial company, non-profit group or educational institution—complies with one or more voluntary preparedness standards adopted by DHS. Some areas of this certification program will include:

• Disaster Management
• Emergency Management
• Business Continuity Programs

DHS Secretary Janet Napolitano explained the reason for the new program by saying, “Preparedness is a shared responsibility and everyone—including businesses, universities and non-profit organizations—has a role to play. Ensuring our private sector partners have the information and training they need to respond to disasters will strengthen our efforts to build a culture of preparedness nationwide.”

Through PS-Prep, any small business, hospital, stadium, non-profit organization or corporation can be certified by an accredited third party, which checks for conformity to one or more preparedness standards. Once these standards have been certified, periodic reassessments will ensure that the business is still in compliance.

Participation in PS-Prep is entirely voluntary. Nevertheless, it would behoove anyone working in the private sector to take advantage of this opportunity. Reducing the impact of hazards and planning to protect employees, allows business owners and non-profit directors to recover and reopen following a natural disaster or other emergency. Since business recovery after disasters is uncommon, PS-Prep should help get more people back in business.

At RJWestmore Inc., we believe that it is vital to develop and implement plans to reduce the impact of a potential emergency or disaster, which is why we encourage seeking certification on at least one or more standards set out by DHS. For more information on the new PS-Prep Program, visit FEMA.

Becoming certified is a definite, important way to BE SAFE!!

In honor of Disaster Preparedness Month, RJWestmore, Inc. is proud to announce a new informational worksheet detailing the most effective way to deal with people who have Autism, in the event of an emergency.

The emergency preparedness instructions should help family members, friends and first responders remember the proper methods for helping Autistic people.

While a disaster can be a traumatic experience for anyone, it can be especially frightening for someone who is autistic. Autism is defined as a brain development disorder characterized by impaired social interaction and communication, and by restricted and repetitive behavior.

Those who care for people with autism, or are in close contact with an autistic person, should be made aware of the special precautions that must be taken during an emergency.

Autistic people have a tendency to hide, or become suddenly paralyzed with fear, in the event of a catastrophe. Anyone who attempts to help them can be perceived as a dangerous threat. This is why it is important for emergency responders to be able to recognize the signs and symptoms of autism, so that they can take precautionary measures.

• During an emergency, people with autism will resort to self-soothing methods, such as rocking, or talking to themselves.
• Autistic people have also been known to become fascinated with dangerous stimuli.
• For example; in the event of a fire, an autistic man may stand dangerously close to the flames in order to stare at the fire.
• In a flood, an autistic girl could potentially travel towards flowing water, instead of away from it, which could put her in immediate danger.

If more people are able to identify these types of behaviors, and offer assistance in a calm, non-threatening way, the chances of a successful rescue will be dramatically increased.

In dealing with someone who you know is, or who appears to be, autistic:

1. Speak slowly, in basic, concrete terms. Allow time for responses.
2. Use visual communication as much as possible.
3. Do not attempt to physically stop self-stimulating behavior.
4. Have Autism Emergency Contact Forms completed

RJWestmore offers disaster preparedness training for everyone, including people with autism. There has never a better time to learn how to respond during an emergency than in September, during Disaster Preparedness Month.  BE SAFE!

Thousands of lives and both of the Twin Towers were lost on the now infamous day of September 11, 2001. The disaster gave Americans an uninvited lesson about the necessity of developing a comprehensive high-rise evacuation plan. It also shed light on the fact that, to be effective, disaster preparedness plans have to be taught to the people most likely to need them…all of the occupants in a building.

Fire Life Safety

One of the unavoidable risks of working or living in a high-rise building is fire. According to NFPA, the National Fire Protection Association, the following factors are unique to training for fire safety in high-rise buildings.

• The multiple floors of a high-rise building create the cumulative effect of requiring great numbers of persons to travel great vertical distances on stairs in order to evacuate the building.
• The physical demands of evacuation made on occupants often exceed the capabilities of many.
• The process of evacuating some of the largest high-rise buildings in the world may take upwards of two hours.
• The fire and life safety systems installed in high-rise buildings today, including automatic fire sprinkler protection, are designed to control a fire and therefore lessen the need to totally evacuate all occupants.
• Typically, the fire floor and the floors immediately above and below the fire will be evacuated. (Depending on the city where you live, there could be as many as five to seven floors within the building.)

Also according to NFPA, the key elements of emergency preparedness include:

• Early warning (typically through an alarm or voice communication system)
• Adequate means of egress (exit routes)
• Occupant familiarity with the plan through knowledge and practice.

The RJWestmore Training System provides unlimited access to building-specific, web-based emergency preparedness education to the folks who need it most. Using an educational, entertaining and user-friendly format, the system has been approved by all of the major fired departments across the United States. It was most recently recognized and approved by the Los Angeles Fire Department as one of the first approved online training systems to comply with the newly implemented LAMC 57.33.19 high-rise fire code. Simply stated, the system saves lives.

On this seventh anniversary of the September 11th terrorist attacks, preparedness in the event of a disaster has even greater importance to Americans.

As a society, we must be ready to handle – at a moment’s notice – emergencies in our homes, businesses and communities.

But it’s not just the ongoing threat of attack for which we should prepare. Natural disasters – such as devastating hurricanes, floods and earthquakes – and the outbreak of epidemic diseases all demand a plan.

“Those with the capacity and wherewithal to help themselves must do so in advance, so that in the event of an emergency, responders can first assist those who are unable to tend to themselves,” said Homeland Security Secretary Michael Chertoff, in a statement.

Throughout September, the Department of Homeland Security’s Ready Campaign – part of National Preparedness Month – highlights preparedness steps, including having an emergency supply kit, making a family emergency plan, and becoming informed about different types of emergencies.

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