A security officer is in most cases responsible for ensuring safety in the specified place or institution. At some point in their line of duty, they may be required to use force in defending themselves or in assisting the arrest of a suspect or criminal. However, not all circumstances will require or allow them to use non-deadly force. Force may only be used in circumstances deemed as risky or dangerous (McGoey, 2003). A security officer may use force in a circumstance where he has to arrest a suspected criminal.
This applies in cases where the security officer is properly licensed, fully trained and a holder of a permit that shows he is authorized to carry legal weapons in his line of duty. Security officers are however not responsible for making an arrest since they are not police officers but all they can do is detain a suspect. Besides, given some circumstances, he can use defensive force in arresting a suspected criminal who may be resisting arrest but all this should be done with proper reasoning.
In other words, he should ensure that risk factors are first considered while at the same time adhering to the state laws as they vary from one state to the other (McGoey, 2003). Another right circumstance where the security officer may use force legally is in a case where use of gestures or other forms of communication fail to work. The reason for this is that the situation may be extreme with the suspect being aggressive, violent, uncooperative or threatening. Only limited use of force which is also harmless can be used in this circumstance and may involve restraining by holding the suspect.
Additionally, the security officer in an extreme situation where the suspect is violent may use a handcuff or tear gas. Using such force will require the officer to be trained and authorized for the same (McGoey, 2003). Standard coverage on a 3-D insurance policy The 3-D insurance policy covers dishonesty, destruction and disappearance and could be considered a flexible insurance policy. The coverage and premiums under the 3D policies are hugely dependent on the different needs of the party.
It is important to note that these policies were intended to offer various kinds of coverage against criminal related events which may include robbery, theft by employees, burglary and dealings of fake currencies. Standard coverage under the 3D insurance policy is categorized in five different types in which the insured party may denote the amount of coverage while selecting the insurance agreements. Moreover, the 3D insurance policy standard coverage also offers further options which include 12 endorsements (Fischer, et al, 2008, pp. 166-167).
The five different kinds of standard coverage under a 3D insurance policy include the depositors’ forgery coverage, employee dishonesty bond and security coverage on money within the premises. The other forms of coverage consist of money and securities coverage off the given premise and coverage on money order and counterfeit paper currency. All these standard coverage on the 3Dinsurance policy protect the insured from the risks that may be as a result of robbery, employee dishonesty and theft and of the losses that may be realized due to sham currencies (Fischer, et al, 2008, pp. 66-167).
The insured may also choose any or all of the 12 additional endorsements on the standard coverage. Among the additional endorsements are robbery coverage on merchandise within an organization, forged checks, credit card falsification, counterfeit receipts and coverage on the theft of office equipment among others. Aside from providing the necessary protection these endorsements also support the five forms of standard coverage in ensuring that business security is protected (Fischer, et al, 2008, pp. 166-167).
Steps involved in a good risk management program A risk can be defined as a threat or danger that may significantly impact on an individual or organization. A good risk management program can act as an important tool for reducing risk while at the same time ensuring an exercise of responsibility. Effective management notably helps in ensuring adequate security in complex issues. However, there are a number of steps that need to be considered for a good risk management (Joint Risk Management Program Standard Team, 1996. . Good risk management involves careful identification, examination and establishment of measures to control the potential causes of risks that may be harmful to the security of any organization or individuals. The first step will be identifying potential security risks followed by identification of the people who might be harmed by these security risks and how they may be harmed. In the thirds step, evaluation of the identified security risks should follow.
The next step to be considered will be the recording of the findings from the evaluation step and the last step will be a review of the risk management (HSE, 1999, p. 2). In step one, identifying the risk, past risk records can be looked at and the long term hazards established in order to know the magnitude of the risk. Deciding who and how the risk may be harmful will lead to the establishment of the best ways of managing the risks. Afterwards, evaluation of the risks will include coming up with good ways to manage the risks.
Subsequently, sufficient, simple and proper findings will be recorded showing the actions for improving a current insecurity problem as a result of the risks. Lastly, updates can be made on the review of the risk management to ascertain if the risk management program is improving or up to date (HSE, 1999, pp. 4-5). Problems that led to the establishment of the Federal Crime Insurance Program and crime prevention measures prescribed by the program The Federal Crime Insurance Program was established in a bid to address several issues faced by most businesses.
According to the Small Business Administration it was established that during any twelve month period, quite a significant proportion of business would face problems related to property insurance (Fischer & Green, 1998, p. 354). Such problems cited included cancellation of policies, denial of the issuance or renewal of insurance, rates that were deemed prohibitive as well as a limitation of coverage to cash levels that were way below the insured property. Such problems led to the establishment of the Federal Insurance Program as the federal government’s concern.
The program was aimed at providing insurance coverage for property that may be deemed difficult to insure by the regular insurance programs. Businesses were expected to first take the initiative to protect themselves before seeking coverage by the program. This means that businesses were expected to put in place protective measures so as to qualify for the Federal Insurance Program protection (Fischer & Green, 1998, p. 354). Among the general prevention measures set by the program include the installation of safes, locks, alarm as well as any other safety devices that offer protection to valuables.
Specifically, the Federal Insurance Program called for the installation of a central alarm system in stores that dealt with guns, wholesale liquor, jewellery, fur and drugs. A local alarm system was essential for a petrol station and the program also laid down other specific prescriptions for various types of businesses. Such are the measures that if followed, these businesses could be eligible for the Federal Insurance Program protection (Fischer & Green, 1998, p. 354).