Updated: Jun 7th, 2024

Health & Safety & Insurance: Risk Management Presentation

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Table of Contents

Risks Assessment
Minor Incident
Major Incident
Event Liability Insurance
Insurance Assessment
Suppliers and Insurance Costs
References

Risks Assessment

Associated Hazards	Persons Affected	Consequences	Control Measures
Fire.	Staff, teams, celebrities, special guests, visitors.	From minor property damage to victims among people.	No smoking in non-smoking zones. Fire extinguishers are to be placed in every zone of the stadium. All cables are to be checked to prevent short circuit. Emergency exits are to be in every zone of the stadium (Cappellini, Fagiani, & Vanali, 2015).
Sandstorm.	Staff, teams, celebrities, special guests, visitors.	Minor property damage, minor injuries among people, cancellation of the event.	Following the weather forecast before and during the event. Using a covered stadium in case of a bad weather forecast. Using emergency exits (Bahr, 2013).
Crowd crush.	Staff, visitors.	From minor to major injuries and property damage.	Staff members must know the procedures and control the crowd flow. In case of emergency, all emergency exits must be opened, and the staff members using a microphone must tell people to stay calm and proceed to the emergency exits (Ammon, Mahoney, Fried, Arkoubi, & Finn, 2015).
Wet stairs and floors.	Staff, teams, celebrities, special guests, visitors.	Minor and serious injuries.	Cleaners must clean up the spillages and make sure that floors and stairs are dry. Ensuring that the equipment for cleaning is always available (Chemweno, Pintelon, Horenbeek, & Muchiri, 2015).
Power loss.	Teams, celebrities, special guests, visitors.	People’s indignation, cancellation of the event.	All electric equipment and cables are to be double-checked. The presence of an additional power source (Bahr, 2013).
General carrying and lifting.	Staff members.	Minor and major injuries and property damage.	Reduction of manual handling. All members of the personnel must wear safety helmets. Floors and stairs must be unobstructed and slip free. Using mechanical lifting equipment (Cappellini et al., 2015).
Sports injuries.	Basketball team members.	From minor to major injuries.	Double-checking the basketball court. Ordering an ambulance and a nurse team beforehand (Ammon et al., 2015).
Bad food and drinks.	Teams, celebrities, special guests, visitors.	Food and drinks poisoning.	The quality of the supplied food and drinks must be approved by health authorities (Cappellini et al., 2015).
Trailing cables.	Staff, teams, celebrities, special guests, visitors.	Minor injuries.	All loose cables near the stairs and the stage must be fixed with rubber trunking or duct tape (Bahr, 2013).

Risks Assessment

Minor Incident

Minor incidents are the incidents that can be dealt with locally. In case of such incidents, people must inform the staff members, and those must deal with the incident and inform the responsible securities via the radio transmitter. The staff members also must stay at the location and wait until all the needed resources to resolve the problem are provided (Ergu, Kou, Shi, & Shi, 2014).

Major Incident

In case of major incidents, people must immediately inform the personnel and the securities, and those must inform the head of security and the project manager providing all the information about the incident. Then the project manager must assess the situation, make sure that all the necessary resources and the first aid are provided, and decide whether the evacuation is necessary. In case of evacuation, the project manager, or any other staff member must tell people to stay calm and proceed to the emergency exit (Rausand, 2013).

Minor Incident. Major Incident

Event Liability Insurance

Since this event is big and includes the basketball game and the concert, and there many types of potential risks associated with the event, it requires different types of insurance.

Insurance Policy

There are chances that the regular or single insurance program or policy will not be able to cover all the possible exposures (Hufeld, Koijen, & Thimann, 2016).

Thus, apart from general liability insurance, there are special kinds of insurance that must be taken into account (Kunreuther, 2015). All the risks associated with this game can be divided into three types, and, consequently, there are three main types of insurance that will be needed to cover these risks:

Health Insurance.
Property Damage Insurance.
Event Cancellation Insurance.

Event Liability Insurance

Insurance Assessment

Type of Insurance	Risks Associated	Coverage	Necessity
General liability insurance.	Minor property damage, minor injuries.	Protection from liability lawsuits and claims in case of property damage and injuries. The expenses on the property repair and on the injuries happened to guests and sportsmen during the event (Cappellini et al., 2015).	This type of insurance is the most important one, as it covers the risks that are very frequent during such events (Kunreuther, 2015).
Health insurance.	Any risks associated with injuries and deaths.	The expenses on minor and major injuries players, celebrities, special guests, and ordinary visitor if they are caused by fire, sandstorm, crowd crush, slippery floors, food and drinks, or sports injuries happened to the players. The expenses on the funerals of the victims and the moral compensation to their families if their death was caused by one of the hazards during the event (Hufeld et al., 2016).	This type of insurance is especially necessary when the risks of major injuries and deaths are high. However, there were cases of deaths during such events. Therefore, it is necessary to buy this kind of insurance in case of such events (Kunreuther, 2015).
Property damage insurance.	Any risks associated with the property damage.	The expenses on minor and major property damage caused by one of the potential hazards during the event. The expenses on the completely destroyed property in case of fire, sandstorm, or a crowd crush (Ammon et al., 2015).	This type of insurance is particularly necessary when there is a risk of the major property damage. There were cases when similar events suffered a serious property damage because of fire and fans clashes (Cappellini et al., 2015).
Event cancellation insurance.	Sandstorm, fire, power loss.	The expenses on the organization of the event (lease, special equipment, and so on). All the extra expenses required to organize the event once more after its postponement (Ammon et al., 2015).	This type of insurance is necessary when there is a big chance that the event will be cancelled or postponed. In this case, it is unlikely, but nevertheless, buying this insurance will make it faster and easier to organize the event once more if something goes wrong (Hufeld et al., 2016).

Insurance Assessment

Suppliers and Insurance Costs

Suppliers/Contractors

Dubai National Insurance & Reinsurance P.S.C. will provide health insurance (including personal and accident insurance) for staff, athletes, celebrities, special guests, and visitors.
Premium Costs: 65,000 AED (for capacity in 5,000 people/2 days).
Dubai Insurance will provide general liability insurance, property damage insurance, and event cancellation insurance.
Premium Costs: 120,000 AED.

Emergency Healthcare Support

Dubai Hospital.
Al Zahra Hospital Dubai.
Rashid Hospital.

There are also other types of insurance which need to be addressed:

Game ticket insurance.
Workers compensation coverage.
Commercial vehicle coverage for vans, trucks, and buses that are ordered for business purposes.

These insurance costs will be covered by general liability insurance (Kunreuther, 2015).

Suppliers and Insurance Costs

References

Ammon, R., Mahoney, K., Fried, G., Arkoubi, K. A., & Finn, D. (2015). Roar of the crowd: Noise-related safety concerns in sport. Journal of Legal Aspects of Sport, 25(1), 10-26.

Bahr, N. J. (2013). System safety engineering and risk assessment: A practical approach (2nd ed.). New York, NY: Taylor & Francis Group.

Cappellini, A., Fagiani, R., & Vanali, M. (2015). Serviceability assessment of two different stadium grandstand during different events. Dynamics of Civil Structures, 2(1), 299-310.

Chemweno, P., Pintelon, L., Horenbeek, A. V., & Muchiri, P. (2015). Development of a risk assessment selection methodology for asset maintenance decision making: An analytic network process (ANP) approach. International Journal of Production Economics, 170(2), 663-676.

Ergu, D., Kou, G., Shi, Y., & Shi, Y. (2014). Analytic network process in risk assessment and decision analysis. Computers & Operations Research, 42(3), 58-74.

Hufeld, F., Koijen, R. S., & Thimann, C. (Eds.). (2016). The economics, regulation, and systemic risk of insurance markets. Oxford, UK: Oxford University Press.

Kunreuther, H. (2015). The role of insurance in reducing losses from extreme events: The need for public–private partnerships. The Geneva Papers on Risk and Insurance-Issues and Practice, 40(4), 741-762.

Rausand, M. (2013). Risk assessment: Theory, methods, and applications. Hoboken, NJ: John Wiley & Sons.

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