Key Tools for Businesses Overview of tools and resources that can help businesses address priority resilience issues. Fortified Commercial ™ – Chuck Miccolis, Insurance Institute for Business and Home Safety

1. © Zurich Insurance Company Ltd
IBHS FORTIFIED BUILDING PROGRAMS
Chuck Miccolis
Senior Engineering Manager, Commercial Lines
Newport, RI – December 10, 2014
DisasterSafety.org

2. How does IBHS advance the
cause of loss mitigation?
Conduct building science
Identify mitigation solutions for all aspects of
the building chain
Improve public policy
Develop voluntary standards and guidance

3. The IBHS Research Center:
A Unique, Multi-Hazard Facility

6. FORTIFIED COMMERCIAL
(By Peril i.e. Hurricane)

7. FORTIFIED Commercial:
Hurricane
• Bronze
– Enhanced roof performance and improved business
continuity
• Silver
– Bronze requirements plus building envelope
protection, and maintain continuity of business
operations
• Gold
– Silver Requirements plus
enhanced structural performance

8. FORTIFIED for Safer Business™
(All Perils)
• Hurricane Interior Fire
• High Wind Burglary
• Tornado Electrical Surge
• Hail Building Envelope
• Wildfire - Water & Air Mgmt
• Lightning
• Severe Winter Weather
• Flood

9. Focus on Key Components
roof, walls, windows, doors, equipment
the right products and installation
proper elevation

10. Severe Weather Emergency Response
Planning ‐ Keys to Success
• Overcoming two fatal mistakes
– Failing to understand the hazard
– Underestimating the exposure
• Documented plan with designated responsibilities
• Protection of building, business functions, utilities
• Periodic training & exercises
• Various Alert Levels
• Material supply checklist
• Feedback Process

11. Disaster Planning Made Easier
disastersafety.org/wp-content/uploads/OFB-EZ_Toolkit_IBHS.pdf

12. FORTIFIED Benefits and DISASTER PLANNING:
Businesses and Communities
• PROTECT PHYSICAL ASSETS
• Maintain or INCREASE:
• BUSINESS OPERATIONS and IMMEDIATE REUSE POST DISASTER
• REVENUE STREAM
• MARKET SHARE during and after a widespread catastrophe
• COMMUNITY TIES by providing critical goods and services in
difficult circumstances
• RETAIN EMPLOYEES AND REDUCE EMPLOYEE STRESS
• IMPROVE COMPETITIVE ADVANTAGE by providing continuous
services to customers
 IMPROVE CORPORATE IMAGE & REPUTATION

14. DisasterSafety.org
Chuck Miccolis
813-675-1056
cmiccolis@ibhs.org
Thank you