Filed Under:Risk Management, Weather Risk

4 ways to minimize catastrophe risks

Savvy organizations realize that, although rare, earthquakes, floods, hurricanes and tsunamis pose a business travel risk that can't be ignored. Natural disasters can leave employers scrambling to ensure their employees’ whereabouts and safety.

Recent earthquakes in Ecuador, Japan and Nepal have shown just how essential preparing for the right travel risks can be for HR managers who oversee business travel.

When employers begin their risk management preparations, the stakes are high: They’re morally and legally obligated to protect their employees from the risks associated with travel. However, by taking a proactive—not reactive—approach to addressing these risks, employers can improve response times and emergency protocols.

This not only helps reduce the risks employees are exposed to, but also safeguards both the traveler and the organization in the process. As 90% of recent major disasters have been caused by weather-related events, the time to begin formulating a proactive natural disaster plan is now.

Each organization has unique concerns during a natural disaster, but the following guidelines should be addressed in any travel risk management strategy:

1. Be aware of risks

Travel risks are not static. They frequently change depending on the season and natural events. In 2015, for example, El Niño wreaked havoc on weather patterns throughout the world, and experts predict this year's fall and winter weather is likely to remain unstable.

Additionally, weather conditions like flooding or severe drought can lead to more dangerous situations like mudslides or wildfires (especially in drought-ridden locations like California. Before employees are dispatched to their travel locations, employers should review the State Department's alerts and warnings tally, which keeps a running tab on risks throughout the world.

2. Educate employees on emergency procedures

As always, the best preparation for managing a crisis is a comprehensive, proactive plan. By engaging employees in risk management protocols, employers are proactively ensuring their employees are cognizant of potential dangers and the actions they should take if disaster strikes.

One of the simplest, most effective emergency procedures employers can teach their employees is the “near/far” protocol:

Near: When a natural disaster strikes, travelers should perform an immediate, 360° intake of their surroundings and situation. Ask yourself, are you injured? If so, is it safe to leave your current surroundings? Is your location secure? Do you have access to immediate necessities, like food, water, and medication? Remember, when a disaster happens, travel routes are often the first disruption to occur and public transportation will lack security and safety.

When travelers find themselves in a disaster situation, the first priority should always be ensuring their immediate safety and health.

Far: After taking stock of immediate surroundings, travelers should focus on the “far” concerns that await, such as finding out where the closest embassy or consulate is.

Assess the lines of communication—is the power out, and are phone lines down? If there is access to phone lines or an internet connection, can travelers reach their employers to update them on their safety and location? One of a traveler's first calls should be to their travel risk management provider, who can offer on-the-ground help and resources.

Is there a way for travelers’ employers to contact them? If communication is impossible, is there a trusted local associate who can provide assistance? Look ahead to the next 24 hours to determine the most responsible safety and communication steps to take.

Before an employee leaves for a trip, he or she should be briefed on these procedures, and should have the tools and information needed (such as contact information for emergency resources—both at their destination and the company/travel risk management provider) to answer key near/far questions that will arise during an emergency.

3. Understand on-the-ground capabilities

When a crisis erupts, be prepared to activate the best on-the-ground resources. In the aftermath of a disaster—natural or otherwise—time is of the essence. Do your safety research before an employee travels, so your organization will be prepared to act quickly and efficiently.

What resources does your travel risk management program offer? Are there non-governmental organizations or other organizations your company can contact? Does your company have any local contacts who are in touch with travelers? Planning ahead not only helps protect your employee travelers and fulfill duty-of-care responsibilities, but it can also help prevent emergency situations from becoming even more serious.

4. Educate employees about technology

Even the best-laid plans sometimes go awry during a catastrophic event. If a company is unable to locate an employee, then it's time to crowdsource your intelligence. Although traditional methods and avenues are effective, HR managers should educate employees on how consumer technology and social media can be used during a crisis.

Facebook, for example, activates the “Safety Check” feature in response to manmade or natural disasters: Users in affected areas are prompted by Facebook to mark themselves as “safe,” a reassurance that is then sent to the individual's network. It proved to be an invaluable tool during Nepal's earthquakes.

Additionally, Twitter is a great tool for employees to keep up-to-date on the latest breaking news and information surrounding a crisis by following the hashtag around a specific event. For example, with the recent devastating floods in Sri Lanka, employees who might be traveling in that area can follow #SriLankaFloods to stay informed on the latest news.

Additionally, open-source mapping platforms, such as OpenStreetMap, have become one of the most useful new tools for aid workers, providing emergency responders with timely and accurate geospatial data to make important planning and prioritization decisions.

Natural disasters can be chaotic and unpredictable, but with some proactive planning and communication strategies in place, you’re well on your way to protecting both your travelers and your organization from these risks.

Featured Video

Most Recent Videos

Video Library ››

Top Story

A dozen ways to prevent theft during the holidays

It's the most wonderful time of the year — not just for you and your family, but for thieves, too.

Top Story

10 tips for a safe and successful fundraising campaign this holiday season

Travelers’ non-profit D&O product manager Tom Herendeen offers 10 tips for non-profit organizations to keep in mind during this season of giving.

More Resources


eNewsletter Sign Up

PropertyCasualty360 Daily eNews

Get P&C insurance news to stay ahead of the competition in one concise format - FREE. Sign Up Now!

Mobile Phone

Advertisement. Closing in 15 seconds.