Although much has been said about development of formal, written crisis management procedures for public entities and private businesses--especially in light of the terrorist attacks of Sept. 11, 2001--a show of hands at a seminar here revealed that only two out of 30 public-sector risk managers had an emergency manual in writing.

"If you don't have a manual, start thinking about where you need to go and how to develop it," said Rogert J. Krall, director of risk control services with Trident, the public-entity segment of Argonaut Group--a specialty underwriter based in Chicago.

Mr. Krall--presenting a session on "Terrorism: Public Building Protection" at the Public Risk Management Association annual conference here last month--advised public-sector risk managers to consider whether their sewer plants, parks and recreation centers, highway departments, and other sensitive or highly populated areas are well protected in case of a crisis.

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