Stay protected › Risk management
The best claim is the one you never make.
Insurance protects you when things go wrong. Risk management prevents problems from arising in the first place. Here’s how to reduce your exposure and keep your business safe.
Why risk management matters
Insurance pays for losses after they happen. Risk management prevents losses from happening at all.
The benefits:
- Fewer claims = lower premiums over time
- Fewer disruptions to your business
- Reduced stress and legal exposure
- Better reputation and client trust
- Stronger operational foundation
The four pillars of business risk management
Common questions
About risk management
Isn't risk management just for big companies?
No. Small businesses face the same risks (often more, because they have fewer resources to absorb losses). Simple controls make a big difference.
How much time should I spend on this?
What if I don't have time to implement all of this?
Useful resources for established businesses
Guides:
The Founder’s Guide to Policy Renewals – How to review without the stress
What to Do When Sh*t Hits the Fan – Step-by-step claims guide
Switching Brokers Without the Drama – How to transition smoothly
Tools:
Coverage Calculator – Answer 5 questions, get recommended cover limits
Insurance Cost Estimator – Ballpark premiums for your industry
Templates:
Policy Review Meeting Agenda – Structure for annual reviews
Claims Notification Letter – How to notify Sam about a claim
What happens next
Insurance isn’t set-and-forget. It’s an ongoing partnership. Sam checks in regularly, but if anything changes on your end, such as growth, pivots, or new risks, don’t wait for renewal.