Our Mission Statement

What We Do

We work closely with companies and entities in multiple industries including aerospace, energy, chemical, utilities, major real estate owners & developers, banks, credit card and other financial institutions, manufacturers, information technology, software, internet, hospitality and gaming, sports franchises and venues and a host of other businesses and industries in identifying terrorism related exposures, providing liability and financial impact advice, mitigation strategies, options and cost effective ERM advice, protection and solutions.

Why We are Successful

We formed SAFETY ACT CONSULTANTS to help educate organizations and assist them successfully navigate through the DHS application process. We pride ourselves in offering a total SAFETY Act solution from start to finish and then some. We consult on the application and approval process, modifications needed in contracts, leases, and insurance policies as well as overall procedures. This assures the best possible cost savings, workload reduction, liability protection and compliance. We also work with clients on marketing and creating new business opportunities for their approved products, technologies, facilities and/or services.

We partner closely with clients and their representatives providing candid and professional advice. We help them save time and money, obtain swift approval, provide the broadest protection possible, stay compliant and improve their marketing efforts.

As an independent consulting firm, we can avoid the inherent conflicts many other types of organizations face. We are fee based, always work under written contract and fully transparent. Our compensation structure does not include income generated by selling “other” services, products or insurance that may be unnecessary.

How We Are Successful

We combine industry knowledge with highly specialized expertise in creative and innovative strategies and solutions to successfully manage the financial risk that can stem from a terrorism event.  We consult organizations on integration of multiple strategies that can include traditional risk transfer, non-traditional risk transfer, captive and rent-a-captive utilization, accessing protection through existing statutory / legislative means including the Homeland Security Act, SAFETY Act and The Terrorism Risk Insurance Act.  We also consult on finding solutions for mitigating NBCR related financial risks. (Nuclear, Biological, Chemical and Radiological terrorism risks)

Potential liability, loss, cost or expense can arise directly from a terrorist event such as physical damage or destruction to a building. It can impact you indirectly such as a third party alleging a failure in your facility, product or service. It can involve a physical attack causing direct physical damage or result from a cyber attack causing financial harm but no other damage. The attack can be directed directly against you or directed against others. It could involve your facilities or your products, networks, services, advice, technologies, software or other intellectual capital you provide to others. It could involve your suppliers, vendors or customers causing you significant extra expenses, loss of revenue or even loss of opportunity.

We also provide solutions for entities that may have an exposure for responding to, mitigating or aiding in the recovery from a terrorist event.

The historical odds of any one person being killed in a terrorist attack are extremely low, about one in 9 million. This is a slightly greater risk than a person has of dying in an avalanche.  However, if your organization is, as it should be, involved with homeland security protection, whether for itself or others, the odds of being impacted financially or involved in a suit resulting from a terrorist attack are significantly higher. We can help you demonstrate to key departments within your organization why SAFETY Act or other strategies may be needed and if so, why the organization has an obligation to address the issue.  We will help you protect yourself financially.  

You simply cannot ignore SAFETY Act - or “take your chances” because you believe the odds of a terrorist event involving you are still very small.  If liability is imposed on you because of an allegation that you did not do enough to thwart or mitigate a terrorist event – it is likely your organization will not survive the resulting financial impact.

By addressing these issues up front, we also help firms reduce their directors’ and officers’ personal liability exposure. These could arise from a civil action following an event that alleges inaction or inadequate action in protecting the organization’s facilities, people, liability and/or financial assets against what today can easily be deemed as a “foreseeable” event. This also helps avoid potential Sarbox related disclosure issues.

Some of the solutions we provide, especially SAFETY Act approval, greatly enhance our client’s ability to market their Designated or Certified products, technologies, services and/or facilities.  We continuously work with suppliers, industry, trade groups and other professional societies and organizations in trading information on, understanding and promoting the SAFETY Act and its benefits. We partner with clients, lawyers and the DHS on expanding SAFETY Act’s potential application to a wider range of products, facilities, advice, procedures, services and technologies.

Our Client Engagement Philosophy

• We partner with you to help us fully understand your business challenges, goals, priorities, limitations and specific needs.
• When we understand the above, we can then create and help you implement customized, practical and economically feasible solutions that match your needs and objectives.
• We operate fully transparent. We involve you in every key step and every decision that may impact you.  All costs, fees and alternative options will always be provided to you for specific approval.
• We provide you with as much information as possible so you can make informed decisions and then we deliver the results.
• We operate “out of the box” and continuously challenge conventional thinking.
• We maintain a creative and entrepreneurial approach to each and every engagement we undertake.
• We continuously strive to improve our knowledge, products and services.

Our Business Partnerships

We frequently utilize formal and informal business partnerships and relationships to provide our clients with the best and most cost effective services, advice and solutions possible. We will always inform you who we recommend and will only use them upon your specific approval in advance. Our contractual relationship with you, and fees agreed upon fully contemplate and incorporate these relationships unless otherwise agreed and described in advance and in writing. The use of a technical, legal, local or other partnership arrangement reduces the cost to you.

Management Experience

Bob Karl, the founder and Managing Partner at SAFETY Act Consultants, has extensive experience in aerospace, insurance, terrorism financial impact mitigation, as well as being a huge advocate and expert on the SAFETY Act and its potential applications throughout all business sectors including cyber risks. 

Bob has:

• Over fifteen years experience with two top global insurance brokers specializing in aerospace, homeland security, terrorism liability mitigation and risk transfer. He has represented many high profile clients.
• Ten years holding leadership positions for various aerospace insurance companies including top management and key strategy, business and product development roles.
• A strong background in contracts, contractual language and enforceability as well as extensive experience authoring insurance policy coverages and wordings. 
• A strong background in government contracts, legislative and legal issues including the FARS, PL 85-804, SAFETY Act and other related issues. 
• Testified as expert witness on insurance policy language and provided extensive coverage opinions.
• The honor of being a US Air Force veteran.
• FAA Commercial Pilot, Ground and Flight Instructor.
• Former air ambulance pilot for Shands Teaching Hospital at the University of Florida. 
• Former first responder as a firefighter, EMT and MICU team member.

Bob earned his B.S. in Aeronautical Science and an A.S in Management from Embry-Riddle Aeronautical University, Daytona Beach, FL.  He has taken many post-graduate and technical courses in anti-terrorism, security, insurance, law, entrepreneurship and management.

He is active in many technology and entrepreneurial organizations including the Rice [University] Alliance for Technology and Entrepreneurship, University of Houston’s Center for Entrepreneurship, The Houston Technology Center, Houston Interactive Marketing Association, The Houston Strategic Forum, MIT Enterprise Forum.  

Member of ASIS International (f/k/a American Society for Industrial Security), Information Systems Security Association (ISSA), International Association for Counterterrorism and Security Professionals (IACSP), National Defense Industrial Association (NDIA), American Institute of Aeronautics and Astronautics (AIAA), Aircraft Owners and Pilots Association (AOPA) and the American Legion.

Bob Karl in the Press:

New York Times: "Threats and Responses" - March 20, 2003

New York Times: "A Nation at War" - March 21, 2003

Security Management "US Regulatory Issues: SAFETY Act"  - Nov 1, 2003

Press Release: Risk Solutions International - December 7,2007

Security Director News: "NFL Finds Liability Protection" - April 1, 2009

SAFETY ACT CONSULTANTS

DOWNLOADABLE INFORMATION 

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Our Core Services:

• Free Initial Consultation

• Help Reduce Your Costs

• Detailed SAFETY Act Applicability Evaluation

• Evaluate Your Exposures

• Review Your Overall Terrorism Financial Protection Strategies

• Provide Cost Effective Solutions

• Provide Reports as Requested

• SAFETY Act Application Support

• Provide Updates & DHS Feedback

• Negotiate with DHS, Lawyers, Brokers and/or Insurers as Needed

• Evaluate Existing Approvals for Issues & Conflicts

• Review Insurance Program for Conflicts, Compliance, Adequacy and Any Potential Savings

• Review Contracts & Agreements for Conflicts, Issues, Compliance and Modifications Needed

• Assist in Upgrading Existing SAFETY Act Approvals

• Help You Use SAFETY Act to Better Market Approved Products or Services

• Help Create an Overall SAFETY Act Strategy Plan for You, Your Customers, Suppliers or Subcontractors

• Provide Expert Consultation and Access to Key Business Partners as Needed

• Consult on Other Terrorism Related Financial Protection Strategies & Solutions 

 

Contact Us

By e-Mail

       INFO@SAFETYACTCONSULTANTS.com

Online by Web-form

Phone:  (847) 381-0410

US Toll-free:   (877) S--ACT--HELP 
                               (877-722-8435)

Fax: (847) 381-1015

Mailing Address:

SAFETY ACT CONSULTANTS
P.O. Box 4028
Barrington, IL 60011-4028

We look forward to assisting you in creating customized solutions critical to your organization and key in helping protect the public.

We will help you:

Protect Your Organization from enterprise threatening liability that will follow a terrorist event alleged to involve your organization's facilities or products in any way

Protect your bottom line from suits stemming from the use, manufacture, distribution, provision or deployment of anti-terrorism or terrorism response or mitigation related products, advice, aid, procedures, technologies or other services

Save Money on both new and existing insurance programs, the ongoing cost of risk as well as the overall SAFETY Act process

Increase Your Revenue by using SAFETY Act approval to help market your products, advice, facilities, technologies or services including cyber or network related

Thoroughly understand the SAFETY Act as well as the regulations that implement it

Thoroughly understand the SAFETY Act application process

Evaluate the Act's benefit to your organization, insurance,  products, suppliers, vendors and customers

Determine if SAFETY Act
protection can apply to a given product, facility, technology, procedure and/or service

Describe and review the Act with your risk management, legal, upper management, finance, engineering, and marketing groups as needed 

Evaluate the time demands, costs and difficulty of the application process for your unique exposures

Manage the entire application process through completion

Evaluate insurance programs for adequacy in coverage, limits, protecting your liability cap savings, insurer and SAFETY Act compliance

Evaluate contracts and other agreements for conflicts, issues adequacy as well as insurer and SAFETY Act compliance

Provide options for minimizing cost of insurance and risk while maximizing coverages

Arrange for outside experts as appropriate for your specific needs including experts in technical, legal, insurance and political affairs as well as physical and financial asset, business income and supply chain protection

Monitor the SAFETY Act status of your suppliers, vendors, subcontractors and customers

Negotiate with the DHS, insurance brokers, insurers and/or lawyers if potential problems, conflicts, limitations, potential savings or enhancement possibilities exist

Create a standardized process to coordinate and manage all SAFETY Act related activities for existing, planned or future exposures as well as third party approvals (i.e. your vendors)

Post approval support including any changes in your insurance, the insurance market, insurance costs; changes in your approved products or services; periodic review of compliance and other services you deem necessary

Advise on other terrorism related financial protection strategies including contractual protection review, FARs, Public Law 85-804, Government Contractor Defense - "Boyle", captive utilization and/or formation, conventional and non-conventional terrorism insurance coverages, TRIA applicability and access, etc.