When it comes to insurance rating systems, they all ultimately strive to calculate the risk of offering coverage to a potential client by a thorough analysis of the related statistical, actuarial, and underwriting data for a given scenario. These sophisticated tools are employed by managing general agents, program administrators, and insurance carriers to determine the what, where, when, and how much in terms of offering coverage. They are a critical bridge in the collaboration between all the interests represented in the commercial and personal property/casualty and risk management industries. But what if access to all of that mighty technology could grind to a halt? It might, if the computers that access the software cease to be operational.
Towers and laptops have become so de rigueur that every workday, employees simply stroll into the office and think only of logging on and getting to work. It is only when something goes wrong–a program fails to launch, a laptop just won’t boot up, a document refuses to transmit–that people really consider how little they can accomplish without the use of their computer.
Just as you can jump in your car and drive off with nary a peek under the hood first, the same behavior can take place with a computer–at least, to a point, but it will get you only so far. Without periodic maintenance (not the major things the mechanic does but the basics to which the driver should attend–e.g., checking fluids, tire pressure and the like), things inevitably will go wrong.
Likewise, it’s good business practice to have each computer user be responsible for doing some basic e-housekeeping–think dusting and sweeping–frequently to eliminate the hair and dust that collects on your computer’s vents, grilles, intakes and exhaust ports, forming a blanket over delicate components that prevents deadly heat from escaping. The dust and dirt clog the system’s cooling fan, reducing its effectiveness and making it work harder. If it gets too hot–the system fries and you’re buying a new computer long before you intended to.
Inspect: If the vent holes that allow for the intake and release of air are covered or caked with dust and debris, it’s time to go into cleaning mode.
Clean: Wipe surfaces with a dust-attracting cloth, and use canned air (rather than a vacuum cleaner, which can discharge static electricity onto electrical components) to force debris and dust away.
These simple tasks save you thousands of dollars in replacement equipment and parts, downtime for repairs, and lost productivity. So, to ensure your computers are up and running and ready to take advantage of all the efficiencies afforded by today’s insurance rating systems, remember the basics–to dust is a must.