Resources for Managing Business Industry Risk
![City skyline showing tall buildings against blue sky with puffy little clouds.](https://asset.trvstatic.com/images/assets/Industries_no-text-hero.jpg/Zz0yYTU5ZWVjMjFiODkxMWVkYTk5NzZhYTA0NDViZDMwNw==)
Insights and advice to help you manage risks to your business
Construction
MORE ARTICLESManufacturing
Internet of Things (IoT) Tips & Resources
Employee Training in the Age of IoT
The Internet of Things (IoT) is transforming virtually every aspect of manufacturing. Are your employee training and safety programs keeping pace with manufacturing industry changes?
![Manufacturing employee using IoT to train.](https://asset.trvstatic.com/images/assets/industrial-engineer-computer-designing-turbine.jpg/83b251c66e8a11ee88c0de456253796a?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOlsiODNiMjUxYzY2ZThhMTFlZTg4YzBkZTQ1NjI1Mzc5NmEiXSwiZXhwIjoxNjk3NzMyNTI1fQ.Sf7fNsGo2Z3JE34DMM2tyOp5uP7gnx-Oje_RGU0ZtlU)
Manufacturing Resources
Connected Manufacturing: The Technology Behind IoT
Manufacturers are adopting new technologies to improve productivity, efficiency and reliability. To learn about ways manufacturers can take advantage of IoT technology and protect against risks, download the white paper from Travelers.
![Connected Manufacturing equipment.](https://asset.trvstatic.com/images/assets/connected-manufacturing-equipment.jpg/9d65e92a15b611eeb51ce2d08be4b202)
Manufacturing Resources
Breweries and the Craft of Managing Risks
Whether you're just starting a brewery or are well-established, these brewery safety and risk management tips can help ensure it keeps running smoothly.
![Craft brewer checking batch for risks.](https://asset.trvstatic.com/images/assets/craft-brewer-checking-batch-for-risks.jpg/8660604415e711eeb51ce2d08be4b202)
Small business
Workplace Safety Resources
The Modern Office Brings Emerging Risks
Modern office trends, such as mobile device use and work and play activities, bring new safety risks.
![Woman sitting at home office in front of laptop.](https://asset.trvstatic.com/images/assets/woman-sitting-at-home-office-in-front-of-laptop.jpg/696e9c4e901311ed868746b045a1ba5e)
Small Business Resources
Small Business Insurance Glossary
Here are some of the more important terms to help you understand your policy.
![Small business owner looking at computer.](https://asset.trvstatic.com/images/assets/coffee-shop-owner-reading.jpg/3555bc84c78b11eeb99bde8caf12b5f8)
Small Business Resources
How to Set Up Your Home Office
If you work from home, properly setting up your home office can help avoid painful injuries and time lost from work in the future.
![Woman sitting at computer in home office](https://asset.trvstatic.com/images/assets/home_office_ergonomics_large.jpg/a1aec2280abb11eebea95edf08e23f48?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOlsiYTFhZWMyMjgwYWJiMTFlZWJlYTk1ZWRmMDhlMjNmNDgiXSwiZXhwIjoxNjg2NzU4MzUyfQ.AjG6Tjmj362UM1N9kgB3kqlMRX1lev8zcSqBnlWG5NE)
Agribusiness
MORE ARTICLESDesign professionals
Resources for Design Professionals
Design for the Unexpected: 5 Claim Scenarios for Design Firms to Avoid
Architecture, engineering and other professional design firms are at risk of costly liability claims just by doing business. Here are five claim scenarios to learn from and avoid.
![Group of people gathering around a table in an office building.](https://asset.trvstatic.com/images/assets/group-of-people-gathering-around-a-table-in-an-office-building.jpg/Zz0xNjQ3YTFiNDk1OWExMWVkODFlNTdlZTFlY2M5ODVkMA==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiMTY0N2ExYjQ5NTlhMTFlZDgxZTU3ZWUxZWNjOTg1ZDAiXSwiZXhwIjoxNjczODc5NjgzfQ.vnyMo9uy71eTi88blWcx4sL-CmSrrLhlQ3PS-lEFntU)
Resources for Design Professionals
What Designers Can Expect from a Professional Liability Claim
Knowing what to expect from a design professional liability claim can help your design firm through the process and help your design firm protect against potential claims.
![Shadows of two people show through building plans as they discuss the plans.](https://asset.trvstatic.com/images/assets/shadows-of-two-people-show-through-building-plans-as-they-discuss-the-plans.jpg/e54a0a387fd811ed88fee6a22cb574df)
Resources for Design Professionals
Design-Build Agreements: Tips to Help Protect Your Design Business
Your design business can be at risk during the contract drafting and negotiation stage. Get tips from Travelers on crafting design-build agreements that can help protect your business.
![Man looking at plans at his desk.](https://asset.trvstatic.com/images/assets/man-looking-at-plans-at-his-desk.jpg/e544b5f67fd811ed88fee6a22cb574df)
Education
Education Industry Resources
Innovation on Campus: Evolving Food Safety Training for Student Organizations
For risk managers considering online food safety training, here are several tips for developing a student-centered program.
![Students serving food on campus.](https://asset.trvstatic.com/images/assets/students-serving-food-on-campus.jpg/afc1f04a814211edbc11d2edd5b63805)
Education Industry Resources
Innovation on Campus: Mindfulness, Body Awareness and Yoga to Improve Workplace Safety
For risk managers interested in incorporating mindfulness into safety training, here are some tips.
![Risk manager practicing yoga at work.](https://asset.trvstatic.com/images/assets/risk-manager-practicing-yoga-at-work.jpg/e29bf99e561111eeaaadca7a0d65b834)
Education Industry Resources
Innovation on Campus: Strategies for Risk Management
Being a risk manager requires innovation to stay ahead of evolving risks on campus. How you initiate and manage change can be critical to the success of important innovations.
![Risk manager talking about strategies for risk management.](https://asset.trvstatic.com/images/assets/risk-manager-talking-about-strategies-for-risk-management.jpg/fb978b7c851d11ed8d22626acc7c1703)
Financial institutions
Industry Resources
3 Ways Banks, Credit Unions and Other Financial Institutions Manage Casualty Risk
Financial institutions operate in a unique risk environment in which their executives and risk managers are analyzing risk from numerous angles.
![Bank with USA flag in front.](https://asset.trvstatic.com/images/assets/bank-with-usa-flag-in-front.jpg/e530064c7fd811ed88fee6a22cb574df)
Industry Resources
Financial Institutions and Elder Financial Abuse — Tips to Protect Your Customers and Reputation
Practices financial institutions can incorporate to help reduce the risks of elder financial abuse.
![Man at atm.](https://asset.trvstatic.com/images/assets/man-at-atm.jpg/e53372647fd811edabe8d26d53c20207)
Industry Resources
6 Risk Management Strategies for Private Equity Firms
Learn about the unique risks faced by private equity firms and six risk management strategies to address these challenges.
![Two business women looking at a laptop talking.](https://asset.trvstatic.com/images/assets/two-business-women-looking-at-a-laptop-talking.jpg/e53101827fd811edabe8d26d53c20207)
Life sciences
Life Sciences Resources
Managing Cyber Risk for Life Sciences Companies
Life sciences companies are a growing target for cybercriminals. Learn how to prevent an attack and protect your interests.
![scientist in scrubs tending to a screen.](https://asset.trvstatic.com/images/assets/scientist-in-scrubs-tending-to-a-screen.jpg/Zz04ZjdmNTEwYzFiY2YxMWVkYjVkYThlZTJiMDdmODZlMQ==)
Life Sciences Resources
Risks Facing Pharmaceutical Companies, from Trials to Commercialization
As pharmaceutical companies grow and transition to commercial production operations, they can address the risks they face with planning and insurance coverage.
![Professionals in lab coats working with text tubes in a lab.](https://asset.trvstatic.com/images/assets/professionals-in-lab-coats-working-with-text-tubes-in-a-lab.jpg/Zz1lOWQyMzQxMGExNTUxMWVkYTc0ODcyMGYzNTk4M2JlZg==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiZTlkMjM0MTBhMTU1MTFlZGE3NDg3MjBmMzU5ODNiZWYiXSwiZXhwIjoxNjc1MTY5ODA2fQ.t2b4sB1oc7o2pTQpqjDPEZR6_MO_m7LB9gD91LffS9M)
Resources for Technology
The Risks of IoT in Medicine and Healthcare
From the smallest sensors to entire operating room systems, the Internet of Things (IoT) is helping to save lives and changing the practice of medicine.
![Doctor using medical IoT to see patient X-rays.](https://asset.trvstatic.com/images/assets/doctor-using-medical-iot-to-see-patient-x-rays.jpg/Zz02OGM3ZTk1OGEyZjExMWVkYTgyMWU2NTA5NjNkYzllNw==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiNjhjN2U5NThhMmYxMTFlZGE4MjFlNjUwOTYzZGM5ZTciXSwiZXhwIjoxNjc1MzQ2NTQ3fQ.usCFBvk-lhhwg_vqBchQcSIgCKBmuaHb0qtLKMY2pDY)
Marine
Resources for Technology
LED Lighting Risks of Maritime Radio Interference
LED lamps on smaller/coastal watercraft may cause electromagnetic interference, which can result in poor reception on VHF frequencies, according to a U.S. Coast Guard alert.
![Ship in artic water minimizing LED lighting risks.](https://asset.trvstatic.com/images/assets/ship-in-artic-water-minimizing-LED-lighting-risks.jpg/94b08320145911eeba496a1d8618c2a5)
Supply Chain Risk Management Resources
Life of a Piece of Cargo
There’s a lot that can happen to cargo on its journey. Protecting yourself from these cargo-related risks is key to protecting your supply chain.
![Ship carrying cargo in transit.](https://asset.trvstatic.com/images/assets/ship-carrying-cargo-in-transit.jpg/1ef7899c145b11eeb43caaa402ae5520)
Ocean Marine Resources
Preparing for an Extended Lay-Up: Protecting Vessels from Loss
Risks change when a vessel is inactive. Prepare in advance to protect your vessel and equipment from losses that can be caused by weather, tides, equipment breakdown, theft, vandalism and other hazards.
![Large ship in the water with ice cap mountains in background.](https://asset.trvstatic.com/images/assets/large-ship-in-the-water-with-ice-cap-mountains-in-background.jpg/74fe9558808411ed86421ecd44364db7)
Nonprofit
MORE ARTICLES![Person donating for a nonprofit.](https://asset.trvstatic.com/images/assets/person-donating-for-a-nonprofit.jpg/1e26a17821b311eeb46ab6b615bb9f62)
5 Nonprofit Fundraising Ideas
![Person taking out confidential file from drawer at nonprofit.](https://asset.trvstatic.com/images/assets/person-taking-out-confidential-file-from-drawer.jpg/Zz02NmJkMjIzNDFiNDkxMWVkYTQzYjZhYTA0NDViZDMwNw==)
Protecting Your Nonprofit from Crime
Oil and gas
Oil & Gas Resources
Managing Oil and Gas Risk with Contractual Risk Transfer
Having a comprehensive contractual risk transfer (CRT) program can be a critical component in managing risks in the oil and gas industry.
![Oil and gas worker handling equipment.](https://asset.trvstatic.com/images/assets/oil-and-gas-worker-handling-equipment.jpg/31f75f7248b811ee80da4a512a31518e)
Oil & Gas Resources
Planning for an Oil and Gas Well Control Emergency
Operators within the oil and gas industry manage numerous risks, including a well control event. Learn about the ways to plan for and mitigate the risks of an oil and gas well control emergency.
![Planning well control emergency.](https://asset.trvstatic.com/images/assets/planning-well-control-emergency.jpg/2481742e45aa11ee80da4a512a31518e)
Oil & Gas Resources
Managing the Risks of Hiring Oil and Gas Subcontractors for Materials Hauling
Taking measures to effectively manage risks when hiring oil and gas subcontractors can help operators safely and efficiently transport equipment and materials.
![Hauling oil and gas.](https://asset.trvstatic.com/images/assets/hauling-oil-and-gas-large.jpg/b04c5d7c27e911ee8d1e1e4eaae97e62?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOlsiYjA0YzVkN2MyN2U5MTFlZThkMWUxZTRlYWFlOTdlNjIiXSwiZXhwIjoxNjkzMjM3MzcyfQ.xzBdqQ7UmGldtSpc1-MQ7nAvTSJjeJzXygwHsMPZR1g)
Professional services
Industry Resources
13 Risks Facing Professional Services Companies
As professional services companies evolve, here are some ways to help protect your business from risk.
![Woman at home using a computer at desk.](https://asset.trvstatic.com/images/assets/woman-at-home-using-a-computer-at-desk.jpg/Zz1lY2ZjYzI2ZTgxMWYxMWVkYmNlMzFlMzE2YzViYjVlNg==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiZWNmY2MyNmU4MTFmMTFlZGJjZTMxZTMxNmM1YmI1ZTYiXSwiZXhwIjoxNjcxNjI4MTg2fQ.0WyxcQahcTuqIKNfOL4lWxNO5BbS9bfWNg-M1K01jSA)
Public entities
Resources for Technology
5 Ways Cities, Municipalities and Other Public Entities Use Smart Tech for Public Safety
Smart streetlights and predictive policing are two ways smart technology is used for public safety. Explore smart tech for public safety.
![Person looking at multiple monitors using smart city technology.](https://asset.trvstatic.com/images/assets/person-looking-at-multiple-monitors-using-smart-city-technology.jpg/Zz1kNTNjNGVkYTcyNGYxMWVkODUzNTE2ZmQ5ODQyZjUzNw==)
Risk Insights for Public Entities
How Counties and Municipalities Can Reduce Their Total Cost of Risk
Learn practical ways to identify, manage and control risks and losses for public entities with Travelers.
![Exterior of a municipal building, outdoor view.](https://asset.trvstatic.com/images/assets/exterior-of-a-municipal-building-outdoor-view.jpg/7cb4f70885f011edbb608235be3117bc)
Risk Insights for Public Entities
The Growing Threat of Ransomware Attacks on the Public Sector
Public sector ransomware attacks have risen sharply in recent years. Learn how to protect your data and minimize your risk of encountering a breach.
![A girl looking at the hacker attack on the screen.](https://asset.trvstatic.com/images/assets/A-girl-looking-at-the-hacker+attack-on-the-screen.jpg.jpg/58e180204d6011ee80da4a512a31518e?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOlsiNThlMTgwMjA0ZDYwMTFlZTgwZGE0YTUxMmEzMTUxOGUiXSwiZXhwIjoxNjk0MDg1ODcxfQ.qVOAJwfvwgipP94GfXiS3B8q_58sO-SpuU4iIlXZK60)
Transportation
MORE ARTICLESWholesalers and distributors
Industry Resources
5 Key Challenges and Strategies for Managing Wholesaler and Distributor Warehouse Risks
Explore how wholesalers and distributors may reduce warehouse risks by implementing these key risk prevention strategies.
![Workers moving inventory in a warehouse, boxes on shelves in a warehouse.](https://asset.trvstatic.com/images/assets/workers-moving-warehouse-inventory.jpg/cef348109a8711ee97ccde7c2897bbef?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOlsiY2VmMzQ4MTA5YTg3MTFlZTk3Y2NkZTdjMjg5N2JiZWYiXSwiZXhwIjoxNzAyNTc5MDMxfQ.CJmLxkVdhQ7_CqO8MW_y0y9GPeAQaFRm_RWuusisDiI)
Industry Resources
6 Risk Management Considerations for Wholesalers and Distributors
From protecting property and inventory to safeguarding employees and business vehicles, wholesalers and distributors face many risks that could disrupt their operations and the flow of goods to customers.
![A warehouse worker driving a forklift and using it to transport a pallet](https://asset.trvstatic.com/images/assets/4-risk-management-considerations-for-wholesalers-and-distributors.jpg/Zz00Yjk1YjRlMjFiODIxMWVkODg5MThlZTJiMDdmODZlMQ==)
Industry Resources
Employee Injury Trends in Wholesale
Wholesalers and distributors rely on their employees to handle and move products, often on tight timelines. Learn about employee injury trends in wholesale and distribution.
![Forklift icon.](https://asset.trvstatic.com/images/assets/forklift-icon.jpg/0512033c466e11ee818f5e1f1e1fed33)
![Travelers Insurance.](https://asset.trvstatic.com/images/assets/Travelers_share.jpg/15511b046dc211eeaaadca7a0d65b834)