UmbrellaBiggest exposure is loss of life by fire
Floodany water rising is flood…. Huge flash downpour
 Infrastructure clogged up
Earthquakepriced by ZONE
 The Virginia quake affected several Washington DC Monuments and federal buildings
Mold/MildewProperty damage due to leakage and dampness
 Liability – guest gets sick or reacts to mildew
Cyber LiabilityCredit card info compromised
 Visa/Mastercard shut operation down due to PCI non compliance
Identity TheftPays the cost of restoration
Crisis Management Workplace violence requires counseling
 Requires Image Restoration and Public Relations