Risk & Crisis Communication

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Business Économie & finance

Kelsey Gaskins
July 9, 2012

What is risk & crisis
communication?

It is used to help organizations maintain
their reputation after a crisis

Studies the best ways for the organizations
to react to crisis

Who needs this?
All major organizations use this type of
communication

Examples: Peanut Corporations of America
Oil Companies after oil spills
Government

It is important because…
Helps rebuild system after a crisis

Brings the community together after crisis

Keeps community informed

Helps maintain image and reputation

Different styles
Some companies stay silent, which allows
third parties to control information

Perceived similarity- helps with
identification and leads to a change in
behavior

My Opinion:
Companies need to react quickly during a crisis

They need to take an active role in maintaining
their image and reputation

They need to interact with the community so
they are informed of the problem and how
the company plans to fix it

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Insurance IoT is a social good! Because: 🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines) 🔵 Rate can be matched to risks better: - Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate - Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage) 🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus ⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable) Insurance IoT (and telematics) is not about providing a discount Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers) An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good: ◾ it allows to improve the availability and affordability of insurance coverages ◾while allowing the sector to write a profitable business Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys

Insurers' journeys to build a mastery in the IoT usage

Insurers' journeys to build a mastery in the IoT usage

Insurers' journeys to build a mastery in the IoT usage

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Mondelez State of Snacking and Future Trends 2023

Mondelez State of Snacking and Future Trends 2023

Mondelez State of Snacking and Future Trends 2023

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Risk & Crisis Communication

1. Kelsey Gaskins July 9, 2012

2. What is risk & crisis communication? It is used to help organizations maintain their reputation after a crisis Studies the best ways for the organizations to react to crisis

3. Who needs this? All major organizations use this type of communication Examples: Peanut Corporations of America Oil Companies after oil spills Government

4. It is important because… Helps rebuild system after a crisis Brings the community together after crisis Keeps community informed Helps maintain image and reputation

5. Different styles Some companies stay silent, which allows third parties to control information Perceived similarity- helps with identification and leads to a change in behavior

6. My Opinion: Companies need to react quickly during a crisis They need to take an active role in maintaining their image and reputation They need to interact with the community so they are informed of the problem and how the company plans to fix it

7. Photo Credit: div xmlns:cc="http://creativecommons.org/ns#" xmlns:dct="http://purl.org/dc/terms/" about="http://s0.geograph.org.uk/geophotos/01/1 6/12/1161208_a4b0f668.jpg"><span property="dct:title">Oil rig, Cromarty Firth.</span> (<a rel="cc:attributionURL" property="cc:attributionName" href="http://www.geograph.org.uk/profile/27735" >djmacpherson</a>) / <a rel="license" href="http://creativecommons.org/licenses/by- sa/2.0/">CC BY-SA 2.0</a></div>