九色视频

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You’ve decided a swim in the hotel pool would be relaxing. You leave your cell phone in the room and head to the pool. After returning to your room, you notice that the SIM card was removed from your phone. When you get home, you get a call from the phone company. It seems someone racked up hundreds of dollars in international phone calls on your account.

After checking into your hotel, you go for a short walk. When you return to your room, you notice that your belongings were searched. There was no effort to conceal the search.

Someone calls and falsely states that a loved one has been kidnapped. To insure their safe release, you’re asked to deposit money in a specific bank account.

After arriving at your hotel, you decide to plug your laptop into the local network. Immediately, you get a popup stating that your operating system is out of date and that you need to install the required updates. You install the updates and continue with your trip. When you return home, you hand the laptop to the office IT people. Later you get a call saying the laptop was full of spyware.

These are not unusual scenarios. Business travelers face these risks – and more – every day. A recent Ipso asked travelers about their concerns and preparations for traveling abroad. The report found that 8 in 10 travelers worried about their personal safety, yet less than 4 in 10 travelers did any research about crime and neighborhoods to avoid, safety standards of public transport or security features of their accommodations.鈥婽he primary concern of Business travelers is robbery, with terrorism coming in second. Being stranded due to a lockdown or curfew came in third and an in-flight terror incident or major health risk such as SARS, Ebola or Zika came in fourth. Travelers also expressed concern with identity theft, political instability and kidnapping according to .  鈥婣lthough these events are headliners when they occur, the more frequent event for travelers is illness. Of the approximately 50 million travelers each year, about 8% or 4 million people become ill enough to seek medical attention, according to an infographic “” posted by Risk Management Magazine. We advise that travelers procure overseas medical coverage. Some US medical companies will provide coverage, both under corporate and personal medical policies, but it may be beneficial to consider traveler’s insurance to help provide medical care or an emergency flight back home if needed. Check for health alerts (Zika virus in Brazil, for example) and make sure you have recommended vaccinations and know where the nearest English-speaking doctor might be in the country you are visiting. 鈥

Scan passport, travel itinerary, driver’s license and credit cards. Email them to yourself so you can have access to the information in the event they get lost or stolen.

Before you go The US Department of Justice’s website “” says that business travelers need to take precautions when traveling for business overseas3. Here’s a summary of what is recommended:

  • Scan passport, travel itinerary, driver’s license and credit cards. Email them to yourself so you can have access to the information in the event they get lost or stolen.
  • Plan your wardrobe so that it doesn’t offend or draw unwanted attention. Travelers that are perceived as wealthy are targeted for pick pocketing and other crimes. Do not wear expensive-looking jewelry and don’t flaunt your nationality.  
  • Leave a detailed itinerary with your family and your office, including a list of contacts for your foreign hosts in case of an emergency. Register your trip with the State Department.
  • Check with your doctor about any needed pre-trip medical care long before your departure date and obtain medical I.D. bracelets that alert medical personnel to conditions or allergies.
  • Check the US Department of State’s website for travel warnings. Sign up for STEP (), a free service that allows you to receive information about safety conditions in your destination country.
  • "Sanitize" your laptop and smart phone prior to travel to ensure that no sensitive contact, research or personal data is on them. Back-up all information you take and leave that at home. Or better yet, consider leaving the laptop or phone at home and use a “clean” version that contains no proprietary information.
  • Use up-to-date antivirus, spyware, security patches and firewalls. Entities in foreign countries have been known to push fake security updates when a user connects to the local network. They then install malware and spyware on the user’s computer.
  • Never store valuables or electronics in checked luggage.
  • Pre-plan your transportation.
  • Know who to call if you run into trouble. Obtain the phone number and address for the US Embassy or Consulate in the country/s you plan to visit.

During your stay

  • Protect your passport
  • Do not develop a routine or travel the same path.
  • Use authorized taxis, not unscheduled taxis.
  • Do not advertise wealth or corporate identity.
  • Do not carry large amounts of cash.
  • Do not leave drinks unattended – someone could slip a drug into it that causes amnesia and sleep.
  • Beware of new acquaintances who probe for information about you or who attempt to get you involved in what could become a compromising situation.
  • Be aware of your surroundings – conversations may not be private or secure.
  • Do not leave electronic devices unattended.
  • Clear your internet browser after each use.
  • Don’t log in to public networks – such as cafes or hotels.

Upon your return

  • Review your system access with your company’s Information Security Officer.
  • Change all passwords including voicemail and check electronic devices for malware.

What a risk manager can do to help

Travel is an integral part of conducting business in our global economy and as such needs to be conducted with Duty of Care standards in mind. , 80% of business travelers think their companies have a legal obligation to protect them when traveling abroad.  That means companies need to be prepared to respond quickly and effectively to any travel-related incident, health scares, natural disasters, political unrest and terrorism. 鈥嬘任锸悠祊roducts such as Business Travel Accident and Kidnap & Ransom policies are available, respectively providing travel assistance and security advice鈥婭n the end, however, it’s important for the Road Warrior to be armed with local knowledge. An ounce of prevention will go a long way to making your international business travels successful, safe and secure.

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Global Asset Protection Services, LLC, and its affiliates (鈥溇派悠礡isk Consulting鈥) provides risk assessment reports and other loss prevention services, as requested. In this respect, our property loss prevention publications, services, and surveys do not address life safety or third party liability issues. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. The provision of any service does not imply that every possible hazard has been identified at a facility or that no other hazards exist. 九色视频Risk Consulting does not assume, and shall have no liability for the control, correction, continuation or modification of any existing conditions or operations. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any document or other communication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, 九色视频Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with our services, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

US- and Canada-Issued 尤物视频Policies

In the US, the 九色视频insurance companies are: Catlin 尤物视频Company, Inc., Greenwich 尤物视频Company, Indian Harbor 尤物视频Company, XL 尤物视频America, Inc., XL Specialty 尤物视频Company and T.H.E. 尤物视频Company. In Canada, coverages are underwritten by XL Specialty 尤物视频Company - Canadian Branch and AXA 尤物视频Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following 九色视频surplus lines insurers: XL Catlin 尤物视频Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor 尤物视频Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.