Earlier this month after the CICA conference in Orlando, I visited my mother, who lives in the area, for a few days.
Risk management, always a focus of mine, came up a several times. In fact, we had a few opportunities to witness first-hand the real meaning of risk management and its implications. First, during a heavy downpour, we stopped at a popular sea-side cafe for dessert. People were tracking water into the entryway and soon the staff pulled out a mop. The wet mop was ineffective and unfortunately the floors were made of potentially slick ceramic tiles—a recipe for disaster. Then they pulled out a standard bright yellow “caution, wet floors” sign. Good so far. But then they placed it in a location and angle that made it impossible to see when entering the restaurant. Not so good.
It was another instance where a potential and obvious danger was being overlooked. In this case, the wait and kitchen staff were left to make important decisions about safety—a decision that should have been anticipated and overseen by management. Unfortunately, scenarios like this are so commonplace they are taken for granted. But these are the things that can drive up insurance costs—liability and workers' comp for starters.
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