UIA Bed and Breakfast Blog

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Hello 2010

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Good bye 2009 - Hello 2010
Although 2009 was a year of change (as they all are)...it was a strangely difficult year in many ways.  The economy has not been stellar, and jobs have not been plentiful...however, in the midst of all this - we can always find something good happening (if only we look for it).

I have been been fortunate to make new friends in 2009 - I have been given the opportunity to share my crazy passion for insurance (of all things) with many new B&B owners this year!  When I started in the insurance business in 19xx (ok...so it was 24 years ago), I initially declined the interview because to a 20 year old "insurance is boring..."  I basically agreed to an interview because my friend (who was placement coordinator and in charge of finding students jobs) would not let me get out of it.

I was in for a big surprise.... I get to shop EVERY day (I have several companies that I submit business to) and find the best deals - what could be better?    I get to meet new people, and hear about their life experiences...I get to hear ghost stories (I am fascinated, but afraid at the same time)!!!  I really enjoy talking with my customers and helping them understand why they need certificates of insurance, or why they need commercial insurance rather than  a personal insurance policy.  In my 24 years, I have seen many really STRANGE claims...and met some very fascinating people.  In short, the insurance life is anything BUT boring.

I am looking forward to 2010 - I'm sure there are new things in store for us all.   Enjoy each day - it truly is a new blessing, and a new adventure...and I am ready to get started!!!   I wish you all a Happy, Safe, and Prosperous NEW YEAR.


Posted On 1/4/2010 1:49:06 PM



Responding to a Crisis (Crisis Mgt. Part II)

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Preparation is the key to crisis management.  Now that we have our "crisis management kit" assembled, we can move on to the next step...

CRISIS RESPONSE

First and foremost - Is this a life threatening situation?   The personal safety of your family, your guests, and yourself is the most important consideration.  Call 911 or the appropriate emergency services, if necessary.  Make sure everyone is in a safe place, and has received emergency treatment if needed. 

Now put that pad of paper and pencil (included in our kit) to use...document - document - document.  In part one of the series we touched on documenting the; Who, What, When, Where, and How.  Continue to document the facts as they happen.  You might delegate someone as the official "record keeper" during the crisis.  Include a time-line of events.

When developing your crisis management plan - consider staff members who can act as "coordinators" and “record keepers” they should be diplomatic and cool thinking in a crisis situation. Coordinators will be responsible for directing press or media personnel to the designated spokesperson.  The "coordinators" should be very familiar with your crisis management plan.  Station your "coordinators" in specific areas (entrances and exits to the area) with appropriate instructions.  If you don’t have a staff – think of a friend or family member that you might be able to call in to fill one of these positions.

Account for everyone involved, and make a list of everyone present.  Let them know that if they are leaving the premises, they should "check-out" with your designated "record-keeper".   In the confusion it might be hard to remember who has gone where, if you don't have it written down.

Preserve the scene – there might be some evidence that would be helpful in an investigation.  Also, watch for unknown hazards such as gas leaks, downed power lines, etc.  Some crisis situations can trigger earlier painful or traumatic memories for people – watch for these “silent suffers” and make sure they are properly cared for.

While these things might seem like “common sense” a crisis situation can drive all logic out the window.  A specific written crisis management plan can help to minimize damage to your property, and minimize stress to you in the event of a crisis.  

Consider planning for a possible evacuation site, a place of safety (away from your property) in the event of a crisis.   Perhaps a church, school, or neighboring B&B or nearby hotel?

Stay tuned…next post “Crisis Headquarters”  – September 2009.



Posted On 8/7/2009 12:56:14 PM



What does the word "CRISIS" mean to you?

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When I think of the word “crisis” my heart rate increases, I feel the blood rush to my head, and then the headache starts.  Now, when I hear the word “crisis” and know it means “minor bump”…I am ready to tackle it and conquer!!!

How do you make a potentially huge “crisis” go through the metamorphosis  into a “minor bump”?   I call it “THE PLAN”.    Do you go to the grocery without a list?  If you do…it can become quite a chore.   If you are prepared, you can usually get in-and-out and spend a fraction of what you would spend if you are going in unprepared. 

Here are a few suggestions to get you started…. We will take this in “baby steps”. 

A.  Know and practice your evacuation plan.  Post evacuation routes in each room.

B.  Create a “crisis management kit” – this should be placed in a central location, so that in the event of a crisis – you can grab your kit and know that you have most of the tools needed to address immediate needs.  Following are a few items to consider when compiling a crisis management kit; (add to this list as needed)

1.       A self-charging or “shake” flashlight
2.       Bottled Water
3.       A list of emergency numbers, be sure to include your Insurance Agent’s phone number
4.       Invest in a car charger for your cell phone
5.       A first-aid kit
6.       A couple of Glow-Sticks
7.       An extra set of keys to your car
8.       A pad of paper  and a few pens or pencils
        a.       Create a time-line of events progressing through the end of the crisis.
        b.       Document the “Who, What, When, Where, and How”
             i.      Who was in your charge at the time of the crisis? (list employees and guests)
                         ii.      What happened?
            iii.      When did it happen?
                         iv.      Where are those you are responsible for?  
                        Do you need to get them safely out of the area?
                         v.      How can you minimize damage to your property?

I challenge you to use the next two weeks to;
1.  Think about – and compile your crisis management kit.   
2.  Post and practice your evacuation routes.

The next step – Responding to a Crisis – will post in early July 2009.



Posted On 6/26/2009 1:17:50 PM



New Website

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Welcome to our new website.   I am so happy to be able to edit content!!   Many automation changes are happening at United Insurance Agencies.   We now have a facebook presence.  Click Here to become a fan!!

Posted On 4/1/2009 3:23:52 PM



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