Business at Risk : How to Assess, Mitigate, and Respond to Terrorist Threats

by Schmidt, Donald L.

• ISBN13: 9780872187023
• ISBN10: 0872187020
• Format: Paperback
• Copyright: 2002-04-30
• Publisher: Natl Underwriter Co

Table of Contents

Foreword	xi
Acknowledgments	xii
Introduction	xiii
The Terrorism Threat	1	(38)
Introduction	3	(1)
What is Terrorism?	3	(4)
Terrorist Threats	7	(23)
Biological & Chemical Agents	8	(1)
Biological Agents	9	(9)
Chemical Agents	18	(4)
Nuclear/Radiological Devices	22	(1)
Incendiary Devices	23	(1)
Explosive Devices	24	(1)
Cyberterrorism	24	(6)
Consequences of a Terrorist Attack	30	(9)
Direct Costs	31	(3)
Indirect Costs	34	(1)
End Notes	35	(4)
Risk Assessment	39	(52)
Risk Assessment Process	41	(4)
Threat Assessment	42	(2)
Vulnerability Assessment	44	(1)
Busines Impact Analysis	44	(1)
Threat Assessment	45	(4)
History of Past Incidents	49	(1)
Potential Targets	49	(1)
Vulnerability Assessment	49	(35)
People	54	(1)
Site Location, Layout, & Protection	55	(1)
Proximity to Potential Targets	56	(2)
Placement of Buildings	58	(1)
Perimeter Security	58	(1)
Vehicular Traffic & Parking	59	(1)
Vehicle Bomb Exposure	60	(2)
Buildings	62	(11)
Operational Security	73	(1)
Computer Security	74	(8)
Other Considerations	82	(2)
Business Impact Analysis	84	(7)
Scenarios	85	(3)
People	88	(1)
Loss of Buildings, Equipment, & Critical Functions	88	(1)
Lifelines	88	(1)
Restricted Access or Movement	88	(1)
Contingent Business Interruption	89	(1)
Interdependencies	89	(1)
End Notes	89	(2)
Mitigation Strategies	91	(26)
Site Selection & Building Design	93	(2)
Site Selection	93	(1)
Building Design & Space Planning	94	(1)
Package & Visitor Reception Areas	95	(5)
Horizontal Exits & Areas of Refuge	96	(1)
Vestibules	97	(1)
Exterior Glass	97	(1)
Ornamentation & Signs	98	(1)
Critical Building Systems	98	(2)
Physical Security	100	(2)
Motor Vehicle Approach & Access	100	(2)
Building Security	102	(3)
Electronic Security Systems	103	(1)
Doors, Stairs, Elevators, & Windows	103	(1)
Ventilation Systems	104	(1)
Operational Security	105	(3)
Visitor & Package Screening	106	(1)
Motor Vehicle Access to Garages, Inside Parking, or Loading Docks	107	(1)
Security Policies & Procedures	108	(1)
Security Policy	108	(1)
Threat Response Procedures	109	(1)
Computer & Cyber Security	109	(6)
Computer Security Management	109	(2)
Known Security Issues	111	(4)
Other Mitigation Strategies	115	(2)
Employee Training	115	(1)
Emergency Response & Businese Recovery Programs	115	(1)
End Notes	115	(2)
Organizing & Planning to Respond	117	(56)
Plan Components, Objectives, & Standards	119	(5)
National Standards & Regulations	122	(2)
The Planning Process	124	(4)
Management Policy	124	(1)
Planning Committees	125	(2)
Assessment of Available Resources	127	(1)
Organizations	127	(1)
Emergency Response Team	128	(4)
Organization	128	(2)
Emergency Response Team members	130	(2)
Crisis Management Team	132	(4)
Organization	133	(1)
Communication with Target Audiences	133	(3)
Business Recovery Team	136	(4)
Critical Functions & Recovery Teams	137	(2)
Recovery Strategies	139	(1)
Command, Control, & Communications	140	(25)
Incident Command System	140	(3)
Emergency Operations Center	143	(3)
Communications	146	(5)
Pre-Incident Planning	151	(1)
Community Hazards & Warning Systems	152	(3)
Building Ventilation System	155	(1)
Evacuation Plan	156	(5)
Shelter-in-Place	161	(1)
Mail Center/Package Screening	162	(3)
Writing the Plan	165	(8)
Display of Information	170	(2)
End Notes	172	(1)
Emergency Response	173	(36)
Response to Terrorist Threats & Attacks	175	(1)
Threat Levels	175	(2)
Threat Detection	177	(3)
Physical Evidence	177	(1)
Symptoms or Sensory Indications	178	(2)
Indicators of an Attack	180	(4)
Conventional Explosive Devices	180	(1)
Chemical Agents	180	(1)
Biological	181	(2)
Nuclear/Radiological	183	(1)
Combined Hazards	183	(1)
Determination of Protective Actions	184	(3)
Airborne Hazards	185	(2)
Emergency Response Procedures	187	(19)
Notifications	187	(1)
Evacuation	188	(1)
Sheltering-in-Place	189	(1)
Suspicious Package or Letter	190	(7)
Bomb Threats	197	(4)
Property Conservation	201	(1)
First Aid	202	(1)
Firefighting	203	(1)
Rescue	204	(1)
Hazardous Materials	204	(2)
Government Response to a Terrorist Incident	206	(3)
End Notes	207	(2)
Recovery	209	(24)
The Recovery Process	211	(4)
Plan Activation	211	(2)
Situation Assessment	213	(1)
Recovery Priorities	214	(1)
Personnel Safety & Health	215	(5)
Evacuation & Accountability	215	(1)
Medical Care	216	(1)
Counseling	216	(4)
Critical Functions & Processes	220	(3)
Roles & Responsibilities	221	(2)
Internal & External Communications	223	(2)
Example Timeline	225	(1)
Post-Incident Debriefing	225	(1)
Insurance Recovery	226	(7)
Corporate Large Loss Plan	230	(2)
End Notes	232	(1)
Implementation & Training	233	(14)
Summary of Important Steps	235	(3)
Policies & Procedures	236	(1)
Organizations & Assignments	236	(1)
Equipment, Systems, & Facilities	237	(1)
Compilation of Information	237	(1)
Training	238	(3)
Levels of Training	238	(2)
Instructors	240	(1)
Frequency of Training	240	(1)
Record Keeping	240	(1)
Drills & Exercises	241	(4)
Practice Drills	242	(1)
Exercises	243	(1)
Business Recovery Plan Testing	244	(1)
Audits	244	(1)
Plan Distribution & Updates	245	(2)
Distribution of the Plan & Updates	245	(1)
Other Considerations	246	(1)
Impact on the Insurance Market	247	(16)
Market Impact	249	(6)
Is Terrorist Threat Uninsurable?	250	(1)
Impact on Reinsurance Market	251	(1)
Property Insurance Market Overview	252	(2)
Casualty Insurance Market Overview	254	(1)
Market Security Issues	255	(8)
A.M. Best and Better	256	(4)
Avoiding Insurance Scams	260	(2)
End Notes	262	(1)
Hard Market Survival Tips	263	(14)
Hard Cycle Tips	265	(12)
Insurance Coverage Issues	277	(24)
Coverage Issues Abound	279	(22)
Number of Losses/Occurrences	279	(4)
War Exclusion	283	(5)
Terrorism Exclusions	288	(4)
Debris Removal Coverage Issues	292	(1)
Business Interruption Coverage Issues	293	(2)
Workers Compensation Coverage Issues	295	(1)
Insurance Issues in Anthrax Contamination	296	(1)
Pollution/Nuclear Exclusions	297	(3)
End Notes	300	(1)
Government and Insurance Industry Reinsurance Proposals	301	(10)
Options Introduced	303	(8)
HR 3210, Terrorism Risk Protection Act	303	(1)
Insurance Stabilization and Availability Act	304	(2)
Bush Administration Proposal	306	(1)
Reasons for Federal Proposals	307	(1)
Victims Compensation Fund	308	(1)
Organizations Recommend Action	309	(1)
End Notes	309	(2)
Subrogation and Recovery Options Against Terrorists	311	(12)
Civil Action Possible	313	(10)
Potential Obstacles	313	(1)
Legal Precedents	314	(3)
Other Recovery Theories	317	(3)
Basic Reality	320	(2)
End Notes	322	(1)
Alternative Risk Techniques	323	(16)
Alternative Market Interest	325	(14)
Alternative Markets	326	(9)
Insurance Realities	335	(1)
Ways to Use Alternative Risk Techniques to Address Terrorism Risks	335	(2)
End Notes	337	(2)
Appendix A: Internet Resources	339	(2)
Appendix B: Selected References	341	(4)
Appendix C: Responses to Weapons of Mass Destruction Incident and the Participants Involved	345	(2)
Appendix D: Federal Departments and Agencies: Counterterrorism-Specific Roles	347	(20)
About the Authors	367