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Business Risk Exposure from Drones

Business Risk Exposure from DronesLet’s explore the business risk exposure from drones (UAS). While the military and hobbyists have been using unmanned aerial systems (UAS), better known as drones, for some time now, businesses are just starting to adapt the technology for their own uses. UAS are creating new opportunities—and new risks—for businesses to evaluate, and regulators and insurance carriers are scrambling to keep pace.

Unmanned aerial drones (UAS) are a new type of aircraft that has broad commercial and personal uses. UAS can be used to market and inspect buildings and construction sites, deliver materials or fly around as simple, recreational products.

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Risk Exposure from Drones #1 – REGULATION

The FAA currently considers UAS to be in the same category as manned aircraft, and the agency has released some very comprehensive rules on the commercial use of drones. UAS that are used only for recreation are still considered aircraft, and most of them must be registered with the FAA. Because the FAA currently considers UAS to be in the same category as manned aircraft, any attempt to damage or destroy one can result in federal penalties—up to 20 years in prison and $25,000 in fines.

Risk Exposure from Drones #2 – PHYSICAL LOSS: BEYOND THE AIRCRAFT

With UAS, it’s often the loss of the payload—not the aircraft itself—that can be the most costly. One of the most widespread applications to date has been in unmanned aerial photography. Businesses in real estate, agriculture, filmmaking and insurance all have interests in surveying and photographing land, and the cameras used to do so can get expensive. Because of the increasing affordability of drones, the payload often has a higher intrinsic value than the aircraft itself. Additionally, cameras and other payloads are usually slung below the aircraft, meaning that in the event of a hard or emergency landing, damage to the payload is almost certain.

Risk Exposure from Drones #3 – CASUALTY AND LIABILITY

As with conventional aircraft, a UAS crash could mean a hefty casualty claim. While the crash rate is actually relatively low with conventional aircraft, UAS are not subject to the tight maintenance requirements or the stringent operator regulations that make conventional commercial aircraft crashes so rare. Businesses should make sure they are adequately covered in the event of property damage or injury to a third party.

Risk Exposure from Drones #4 – BROAD USE

Another benefit that could become a potential liability is the flexibility of the technology. The same UAS that photographs a parcel of land could be used to survey a hazardous chemical spill. This kind of flexibility offers a broad number of business opportunities, but each new opportunity brings its own exposures. Businesses will have to think through how they plan on using their UAS in order to make sure that their FAA authorization
and their insurance cover each arena of commercial use.

Risk Exposure from Drones #5 – LIABILITY FOR PRIVACY

Privacy represents one of the largest exposures with regard to drones. A highly maneuverable technology that gives remotely operated cameras access to virtually any location is bound to result in claims of privacy breach. What’s unclear, however, is how both the legal system and insurers plan to address these new exposures.
Currently, carriers exclude all privacy-related claims, but the increased exposure means that there’s a potential market for such protection. However, without some kind of precedent, it’s unclear how, if at all, the insurance industry will respond. 

Risk Exposure from Drones #6 – CYBER LIABILITY

As with all new technology, UAS create new opportunities and risks for businesses. Perhaps the greatest potential liability comes from the cyber risks posed by UAS. As technology advances, UAS will be able to remotely hack into computer systems and steal data.

FOR MORE INFORMATION:

David Leff
Account Executive
The Barclay Group

Phone: 856-829-1594, x1216

Email: dleff@barclayinsurance.com

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Making Distance Disappear Through Technology

MAKING DISTANCE DISAPPEAR (PDF)

By David Leff & Michael Formica of Corporate Interiors, Inc.
In today’s changing work environment, teamwork can be more difficult than it used to be. In the not-so-distant past, people gathered in a conference room and solved problems face to face. Today, the issues organizations face are more complex. Sometimes the people with the best skills to collaborate on projects all work in the same place, but not always. The demands of today’s employees requires them to successfully work across different locations, time zones and countries.

The basic expectation of employees is to be faster, smarter and more innovative. This is hard enough to do when you’re in the same physical location. Now try it with people who are working remotely—some of whom you’ve never met in person and some who are working late at night while you are in the office early and your body still wants to be in bed.

In today’s economic climate, organizations can’t allow distance to be a barrier to effective teams. They need to assemble the best talent to solve problems and make tough business decisions. Requiring people to be in the same location limits the range of skills and experiences that contributes to some of the most efficient and productive organizations.

Yet, workplace collaboration through, “Distributed Teams,” across locations is not just a hurdle to overcome; it’s a powerful catalyst for change within an organization. Distributed teams can eliminate redundancies, while expanding a company’s capabilities by establishing satellites in, “talent-rich locations.” Some organizations think about distributed work simply as a way to speed up projects by keeping work moving around the clock; the bigger opportunity is to fully leverage the organization’s scope and scale. And to do that, organizations need to find ways to make distance disappear.

VIDEO TO THE RESCUE?

In an effort to eliminate people having to be in the same location, businesses have recognized the potential of video to solve these challenges and have dramatically amped up their video use. The biggest hurdle to remote collaboration is poor audio or video quality and a close second is difficulty with sharing content.

Corporate Interiors is an industry leading provider of audio visual video conferencing. Our team of Engineers are experts in integrating technology with an innovative process to create a more effective and productive workplace.

For more information on how to make your work environment more effective and productive please contact:

corporate-interiors

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PRIVACY CRISIS IN THE WORKPLACE

Privacy Crisis in The Workplace (PDF)

By: David Leff & Whit McGinley of Corporate Interiors September 4, 2015

What do hypertension, sleep disorders, cardiovascular disease, impaired cognition and being annoyed have in common? All are possible outcomes of too much noise around us. Many people complain about noise, but fewer realize how harmful it can be.

Defined by scientists as “unwanted sound” – noise puts a burden on our hearts and brains, as well as our ears, according to research in the field of environmental noise.

In offices, irritating noise can come from many different sources: air conditioning, obnoxious ringtones, construction, and unsophisticated sound-masking systems and-especially-other people’s voices. Noisy environments tend to get worse over time and are a source of disruption in the workplace, affecting worker happiness and productivity.

Studies have shown that annoyance is the most common response to noise. We are easily set off by noise because we have been programmed to be aware of sounds as possible dangers. We are constantly alert to our environment, and noise easily makes us uneasy. Lab studies on humans as well as animals have shown that exposure to noise arouses the nervous system, causing rising blood pressure and the release of stress hormones. Over time, these instinctive responses can stress the cardiovascular system and give rise to negative outcomes such as anger and exhaustion.

As if those effects aren’t bad enough, cognitive impairment is another non-auditory result of noise that researchers have been studying. More than 20 studies in multiple countries have shown that environmental noise negatively affects school children’s learning.

Without effective acoustical solutions, experts say, the negative impacts of day-to-day noise in office environments can be significant.

Cognitively, there is plenty of research that shows that the most destructive sound of all is other people’s conversations. The level of noise for the type of work that is supposed to happen in the workplace is an issue. In some open-plan offices the level of noise can make cognitively demanding work difficult.

The recommended noise level for intellectual work pertains to participating in discussions and meetings as well as working solo.

In other words, in noisy environments with poor acoustics, workers can just as easily get stressed by trying to hear others as by trying not to hear others-a lose/lose proposition.

The solution is a variety of workplace environments, each designed with consciousness of sound for the task and the people using the spaces. Good acoustics can reduce stress in the workplace and make environments more productive.

Sound masking is designed to cover:
• Human voice in corporate, healthcare and similar worksettings
• Light office sounds such as keyboard typing and papers shuffling
• Some echoes in reverberant spaces
• Light traffic noise

There are many different options for sound masking that can be tailored to your specific needs. Some available key features of sound masking are:
• Direct field speaker technology which provides a more uniform sound masking level.
• Paging and music capability integrated to the system.
• Simply layout and installation.
• Flexibility for installation in unique spaces such as open plenum or drywall ceilings.
• Emitters are plug and play and do not require tuning.
• Control modules allow up to five different zones with coverage up to 180.000 ft2.

Corporate Interiors is an industry leading provider of sound masking and acoustics. Our Architectural Solutions Engineers are experts in integrating technology and furniture with an innovative construction process to create a more effective and productive workplace.

david-leffDavid Leff – Workplace Consultant
P: 302.356.1096
F: 302.356.1068
C: 302.345.7361

 

 

whit-mcginleyWhit McGinley – Achitectural Products Specialist
P: 610.994.1301
F: 610.994.1385
C: 610.864.6660

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