Our aim is to raise awareness and understanding of the risks within your organisation and to work with you to manage these. Zurich Municipal has many years of experience working with public-sector organisations and understands the risks you face.
Quite simply risk management is the process of identifying and managing those things that could prevent your organisation from achieving its objectives. We are all in business to accomplish certain goals and any barriers or obstacles to achieving these are risks.
Managing risk makes sense which is why we have developed a range of solutions to help you, from the identification of risks to recommendations on how to remove or control these allowing you to operate with greater confidence to achieve your goals.
Risk can broadly be categorised as either strategic (or business risks) or operational risk.
Strategic risk includes areas such as personnel, financial, technological, managerial, political, environmental, competitor, social, contractual or legal.
Operational risk is more often associated with physical loss or damage such as fire or personal injury.
Casualty Risk Practice Overview
Property Risk Practice Overview
Strategic Risk Practice Overview
By making risk management an essential part of the way your organisation operates you can firstly identify and then prioritise your risks, taking practical steps to manage these.
There is much press comment on society becoming increasingly more litigious and as a result it is even more important to show that good risk management procedures and systems are in place.
The protection of people from death and injury and the protection of an organisation’s assets are of paramount importance and risk management is central to this.
Risk management is a now a well established requirement of good corporate governance and therefore features heavily in audit inspections and assessments.
The cost of losses is usually only the tip of the iceberg. The Health and Safety Executive estimate that for each £1 of insured risk, there is between £8 and £32 in uninsured loss such as management time, administrative costs, damage to reputation, hospital expenses and the like.
In short, loss prevention and business improvement are different sides of the same risk management coin. Prevention is always better than cure!
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Providing insurance is a core part of our business. It's how we transfer risk away from a customer's organisation while helping them manage problems that arise.
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Zurich Municipal is a trading name of Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460.Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA’s Financial Services Register via their website
www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.
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