Assurance et risk managementPrévention et Gouvernance des Risques (ERE)

INSURANCE: Know: • The role of the insurer in estimating and "insurability" of risks, consequences, protective and intervention measures to be implemented. • The traditional guarantees contracted by the company to make the best insurance choices (the clauses, extensions, exclusions to be subscribed, the amounts to be insured, the optimal level of deductible) Loss of operation, Civil liability,

• Environmental damage. • The methods and means used by the insurer to analyse the risks of the company and to assess the conditions "insurability": valuation methodology used, elements taken into account to determine the risks, the preventive solutions chosen by the insurer for risk reduction. Master: • The procedure for the declaration of a claim and the anticipation of any related disputes.

Risk Management: Recognize: • The risks that the entrepreneur must manage in his business: speculative, technical, financial, commercial, social and accidental risks.... • The methods of analysing these risks in the company and the way the risk manager operates. • Alternatives to traditional environmental risk insurance (captured accounts, insurance or reinsurance captives, financial reinsurance), under what conditions and to which companies are these solutions applicable, how can they be implemented?

Day 1 Insurance

Insurance • History of insurance • Interlocutor o The main insurers in the business market o Intermediaries (brokers, general staff...) o Company's interlocutors o The role of the insurer • Presentation of contracts. o Contract families and their main guarantees Damage to property Machine bris Civil liability

• Floats Cyber Other o Extensions Loss of operation - concept of gross margin Information media Cure o Coverage modes Perils All risks except o Level of coverage Commitment – Concept of SMP / SRE / LCI
• Franchises Specific clauses o The obligations of the insured person o Claims / definition / examples of claims o Insurance amicable expertise o Insurance judicial expertise • Presentation of pools. o Natural Hazards o Risks Attacks

The rate and its optimization • Insurers' methods o Property Damage: Values to be reported Calculation of pure premium Technical premium calculation Risk analysis method Damage to property Improving its technical risk: prevention – protection • APSAD • Focus on Fire Permit and Sprinkler Improving contractual risk: contracting / subcontractor o Civil Responsibility Tariff approach Environmental damage Insurance certificates o The virtuous circle of risk management / REX

Some examples of claims and their management

The concept of risk delegation and business continuity o What risks should be delegated? o The introduction of an insurance captive o Business continuity: Identify resilience Anticipate business continuity Identification of functions to be saved Adapt your insurance contract

Risk Management Master the key concepts of Risk Management. • Risk concept. o Distinguish hazard, hazard and risk. o Risks and its components o Adopt risk classification / Risk matrix. • The Risk Management process. Identify, analyse, prevent, treat, implement and monitor the implementation of measures.

• Risk identification. o Strategy, Risks and Objectives o Traps and best practices. o Compare a risk analysis with different objectives. o Manage business continuity. o Manage and prevent occupational risks. o Secure data.

• Quantify and prioritize risks. o Criteria to be considered. o Risk mapping and standard deliverables.

• Risk treatment.
o Available tools. o When to deal with risks: Before or after a disaster? o Develop risk treatment plans.

Risk Management actors

Days 2 and 3: Team-led work (preparation and oral restitution)

Exercises type "Team building" / saynete Directed work (rated = 50% of final score): Making a presentation How to convince an insurer to cover the company's risks after multiple claims and a sharp decline in turnover following the health crisis covid-19?

To be formalized: • Activity: process diagram / organization chart of the company • The AC of the last five years and the financial strength of the company (the business in progress and future) • The nature of the company's risks (materials, storage, building, customers, subcontractors...) • Existing preventive measures • Existing safeguards • Presentation of the company's latest major claims • Synthesis of the Business Continuity Plan (BCP) and the Business Recovery Plan (PERA) put in place during a health crisis covid-19 • Company's insurance needs

Team formation: 1 or 2 people from Risk Management and Insurance, 1 person from the Technical Directorate, 1 person from the Financial Directorate, 1 person from the Communications and Marketing Directorate.

Table Control (Duration 1h30)

• FFA website • News insurance website • Insurance arguments • Nassim Nicholas Taleb's Black Swan • Legifrance.gouv.fr: the insurance code, civil code.