Public Safety

Readying for Rowdy Fans

Major sporting events pose many property and safety risks to local businesses.
By: | February 20, 2018 • 2 min read

Prior to the NFC Championship game in Philadelphia, the city’s police department issued guidelines for local shops, advising owners to keep any gates locked if they were to be closed at game time and remove any unsecured outdoor items like trash cans, signs and flowerpots. They also asked bar owners to serve drinks in plastic cups instead of glass.

In the city’s downtown area, police applied Crisco to keep revelers from climbing traffic lights and poles.

But that city is no stranger to exuberant — and destructive — fan celebrations. Stories of fans flipping cars, smashing windows and setting fires after a win or loss provide cautionary tales for storefronts near major events. Lack of experience exposes businesses to being underprepared and possibly under-insured.


“Any major event has two distinct footprints — inside the venue and outside the venue,” said Michael Greear, director of risk control, Aon Risk Services. “The NFL has stringent security in place at all their stadiums, but the surrounding neighborhoods may not be as prepared.”

Buttering streetlamps may not be necessary everywhere, but there are steps businesses can take to mitigate damage from a disorderly crowd:

  • Remove loose objects. Anything not bolted to the ground or a wall should be taken inside, including patio tables and chairs, portable heat lamps, signs, trash cans and decorations.
  • Add security. Hiring additional security for the day of the event can be a deterrent to potential troublemakers. “People get caught up in the crowd mentality,” Greear said. “A normal citizen may never think to do something destructive, but get them in a crowd and they start doing strange things. Having guards visible can check some of that behavior.”
  • Install cameras. Security cameras are a critical tool to document any incidents of property damage or injuries on a property. They can also help to establish liability if a dispute arises over where exactly an incident occurred. Like security guards, visible cameras also deter criminal activity.
  • Implement incident documentation and reporting procedures. “You have to be able to record what happened if you want to make a claim,” Greear said. “For many business owners, documenting an incident might just mean calling the police. But when you have an event like the Super Bowl, the police will probably be busy. You need a procedure to capture all the details.” In addition to cameras, that procedure could include incident report forms to document the time of the incident, how it happened and exactly what damage resulted. It’s also imperative to check insurance policies for reporting requirements. Many will stipulate filing a claim within a specific time frame.
  • Know your coverage. Property policies can vary widely in their scope and limits. “Business owners should call their broker and revisit their policies to confirm what’s covered, what’s not and how to file a claim,” Greear said. &
Katie Dwyer is an associate editor at Risk & Insurance®. She can be reached at [email protected]

More from Risk & Insurance

More from Risk & Insurance

Risk Management

The Profession

Janet Sheiner, VP of risk management and real estate at AMN Healthcare Services Inc., sees innovation as an answer to fast-evolving and emerging risks.
By: | March 5, 2018 • 4 min read

R&I: What was your first job?

As a kid, bagging groceries. My first job out of school, part-time temp secretary.

R&I: How did you come to work in risk management?

Risk management picks you; you don’t necessarily pick it. I came into it from a regulatory compliance angle. There’s a natural evolution because a lot of your compliance activities also have the effect of managing your risk.

R&I: What is the risk management community doing right?


There’s much benefit to grounding strategic planning in an ERM framework. That’s a great innovation in the industry, to have more emphasis on ERM. I also think that risk management thought leaders are casting themselves more as enablers of business, not deterrents, a move in the right direction.

R&I: What could the risk management community be doing a better job of?

Justified or not, risk management functions are often viewed as the “Department of No.” We’ve worked hard to cultivate a reputation as the “Department of Maybe,” so partners across the organization see us as business enablers. That reputation has meant entertaining some pretty crazy ideas, but our willingness to try and find a way to “yes” tempered with good risk management has made all the difference.

Janet Sheiner, VP, Risk Management & Real Estate, AMN Healthcare Services Inc.

R&I: What was the best location and year for the RIMS conference and why?

San Diego, of course!  America’s Finest City has the infrastructure, Convention Center, hotels, airport and public transportation — plus you can’t beat our great weather! The restaurant scene is great, not to mention those beautiful coastal views.

R&I: What’s been the biggest change in the risk management and insurance industry since you’ve been in it?

The emergence of risk management as a distinct profession, with four-year degree programs and specific academic curriculum. Now I have people on my team who say their goal is to be a risk manager. I said before that risk management picks you, but we’re getting to a point where people pick it.

R&I: What emerging commercial risk most concerns you?


The commercial insurance market’s ability to innovate to meet customer demand. Businesses need to innovate to stay relevant, and the commercial market needs to innovate with us.  Carriers have to be willing to take on more risk and potentially take a loss to meet the unique and evolving risks companies are facing.

R&I: Of which insurance carrier do you have the highest opinion?

Beazley. They have been an outstanding partner to AMN. They are responsive, flexible and reasonable.  They have evolved with us. They have an appreciation for risk management practices we’ve organically woven into our business, and by extension, this makes them more comfortable with taking on new risks with us.

R&I: Are you optimistic or pessimistic about the U.S. health care industry and why?

I am very optimistic about the health care industry. We have an aging population with burgeoning health care needs, coupled with a decreasing supply of health care providers — that means we have to get smarter about how we manage health care. There’s a lot of opportunity for thought leaders to fill that gap.

R&I: Who is your mentor and why?

Professionally, AMN Healthcare General Counsel, Denise Jackson, has enabled me to do the best work I’ve ever done, and better than I thought I could do.  Personally, my husband Andrew, a second-grade teacher, who has a way of putting things into a human perspective.

R&I: What have you accomplished that you are proudest of?

In my early 20s, I set a goal for the “corner office.” I achieved that when I became vice president.  I received a ‘Values in Practice’ award for trust at AMN. The nomination came from team members I work with every day, and I was incredibly humbled and honored.

R&I: What is your favorite book or movie?

The noir genre, so anything by Raymond Chandler in books. For movies,  “Double Indemnity,” the 1944 Billy Wilder classic, with insurance at the heart of it!

R&I: What is your favorite drink?


Clean water. Check out for how to help people enjoy clean, safe water.

R&I: What’s the best restaurant at which you’ve eaten?

Liqun Roast Duck Restaurant in Beijing.

R&I: What is the most unusual/interesting place you have ever visited?

China. See favorite restaurant above. This restaurant had been open for 100 years in that location. It didn’t exactly have an “A” rating, and it was probably not a place most risk managers would go to.

R&I: What is the riskiest activity you ever engaged in?

Eating that duck at Liqun!

R&I: If the world has a modern hero, who is it and why?

Dr. Seuss who, in response to a 1954 report in Life magazine, worked to reduce illiteracy among school children by making children’s books more interesting. His work continues to educate and entertain children worldwide.

R&I: What do your friends and family think you do?

They’re not really sure!

Katie Dwyer is an associate editor at Risk & Insurance®. She can be reached at [email protected]