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Download Electronic Medical Records Minimizing Litigation Risks in the ER

This report examines three major EMR-related issues and suggests countermeasures to protect patients and minimize liability exposures.

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SORCE for Healthcare

CNA is proud to offer our School of Risk Control Excellence (SORCE®), world-class training to help healthcare institutions control their risk and manage their exposures.

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Published Tuesday, November 19, 2019

The 2019 Hurricane Season has been a strong reminder that hurricanes and tropical storms can be deadly and destructive events. This year’s natural disasters have had a significant impact on communities, businesses and supply chains, changing lives and the way businesses operate. For example, Hurricane Dorian and Tropical Storm Imelda are expected to be the latest additions to the list of Tropical Cyclone Billion-Dollar Disasters.

While forecasting, warning systems, distribution services and community responses have improved, there are three facts and key lessons to be learned from the 2019 hurricane season. Taking a closer look at the events of the 2019 hurricane season will help businesses evolve resiliency through preparedness against hurricanes in the future.

Fact: Tropical storm Imelda and its remnants caused 24 to 36 inches of rainfall over a three-day period across a large area between Houston and Beaumont, Texas. The largest storm total of 43.39 inches was reported at North Fork Taylors Bayou in Texas. Many thousands of homes, cars and businesses were impacted by flood water due to this extraordinarily heavy rainfall. Imelda now represents the fifth, 500-year flood that has impacted a portion of Southeast Texas over the last 5 years.

Lesson #1: Businesses vulnerable to tropical storms should strategically prepare for flooding to occur regardless of the flood map rating. With storms growing stronger and becoming more widespread, natural hazards do not always align with Flood Insurance Risk Maps. Even if a business is outside of a flood risk area, it is important to consider flood insurance to protect all of its critical operations.


Fact: Dorian's intensification to a Category 5 storm marks the fourth consecutive year in which a maximum Category 5 storm developed in the Atlantic basin, which is a new record. Dorian also tied the Atlantic basin maximum sustained wind speed record for a land-falling hurricane (185 mph), which is shared with the historic 1935 Labor Day hurricane.

Lesson #2: It is important that businesses understand their wind exposure risks and their insurance terms and conditions for wind storms, ensuring the businesses have adequately addressed this vulnerability. If there is critical infrastructure in coastal areas, companies should consider hiring an engineering firm to evaluate a building’s resistance to wind. This is especially important for structures built before 2002 when codes were strengthened to address wind issues.


Fact: Ten catastrophic weather events in 2019 are expected to exceed $1 billion in losses in the US. Many of these events occurred outside of coastal areas. In addition to Imelda and Dorian, there were three flooding events and five severe storm events in the US in 2019, which will put the costs of US disasters at more than $10 billion.

Lesson #3: Understanding and planning for local and wide-spread business disruptions is a key component to a well-rounded business strategy and risk management plan. Preparedness, when combined with property and business interruption insurance, is a powerful combination to strengthen your organizational resiliency.


Organizations with operations or supply chains in expected and unexpected areas vulnerable to tropical storms and hurricanes should start planning now for the 2020 hurricane season. Since a hurricane or tropical storm can affect a business in many ways, it may seem overwhelming when trying to determine how best to prepare an organization for the storm season and minimize the potential impact. Checklists, such as this one, can assist in developing an action plan based on the potential areas of impact to an organization. With the right preparation and planning ahead of hurricane season, you can help make the surrounding communities and businesses safer and more sustainable.



Insurance for Physicians

With more than 50 years of experience in the healthcare industry, CNA is a trusted leader and top underwriter of healthcare insurance products and services for a wide spectrum of organizations.

As a physician working in a solo or small practice, your responsibilities extend beyond caring for your patients. Yet, you don't want to detract from your ability to provide quality medical care in a personalized setting. For your insurance needs, you need a carrier that understands your practice and offers solutions that permit you to focus on what you do best.

CNA's extensive industry knowledge, valuable insight and core coverages are tailored to meet the unique needs of physicians who pursue a traditional practice. This expertise also gives us the ability to write nontraditional and hard-to-place risks to qualified insureds. And because your insurance needs go beyond professional liability, our CNA Connect® product can provide you with your Commercial General Liability, Property, Cyber Liability and Commercial Auto coverages for the practice that you have worked so hard to build.

Our state-specific underwriting and claim capabilities ensure appropriate coverage levels to address your unique exposures. The Healthcare claim team deploys its talent and experience in working with internal colleagues dedicated to claims of high severity and complexity, as well as nationally recognized external attorneys experienced in high severity claims, including birth trauma, neurological injury other catastrophic injury and certain aging services matters. In addition, our highly experienced risk control consultants offer you programs and services that help you to address a range of exposures in your daily operations, such as maintaining electronic medical records or creating a safer work environment.


Learn more about our broad portfolio of insurance solutions specialized to meet the needs of your business.

CNA offers a broad portfolio of insurance solutions — from general liability to property to professional and management liability and more — specialized to meet the needs of your business.


Explore our services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

CNA offers an array of services designed to help you manage your claims, understand your exposures, address potential losses and maintain business continuity.

Small Business Insurance Fundamentals

Learn more about how to identify the insurance and services you need to safeguard your small business.

For your small business, having the right kind of insurance is critical to success. Are you looking to learn more about the kinds of insurance coverage you need before you contact your local independent agent or broker? We've developed some helpful resources and tools to get you started.

What kind of insurance do I need?
Identifying the right coverages that address your risk exposures and your greatest challenges is important. To help determine your business insurance needs, use this checklist to help guide your discussion with your independent insurance agent.

Why use an independent agent?
Dedicated to offering the broadest selection of policies and coverage to best meet their customers' needs, independent agents represent multiple product lines from more than one carrier. CNA is proud to support the Independent Insurance Agents & Brokers of America and their Young Agents Committee. Find a local independent agent for you.


What is risk control?
For small businesses, preventing and controlling risk can be just as important as being properly covered. CNA Risk Control offers a wide range of services focusing on management accountability, cost drivers and business solutions to help you improve your bottom-line profit.

How can I prepare for an emergency?
Learn how to safeguard your small business, your employees and your family in the event of an emergency by visiting Resources to Manage & Reduce Risk for online tools and resources from CNA's own business continuity planners and government organizations.

How can I better prepare for my policy renewal?
Your independent insurance agent is your best resource to ensure your small business has the proper insurance coverage as it changes and grows year over year. Review this list of 10 items to prepare for your conversation about how your business and its insurance needs have changed since your policy was issued.


CNA Cyber Risk Solutions


Small Business Owners Policy (BOP)

Commercial Auto

Directors & Officers (D&O)

Employment Practices Liability (EPL)

Equipment Breakdown

Medical & Scientific Equipment

Healthcare Professional Liability


Workers’ Compensation


Litigation Counsel

California Medical Provider Network (MPN)

CNA Claim Services

Outcomes Based Network and CNA Selected Providers

Get Informed. Get Prepared. Get PrepWise.

CNA Risk Control Services

Special Investigations Unit (SIU)

Texas Healthcare Network (HCN)

Workers' Compensation Medical Provider Networks


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