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    • Who are we?
    • Property & Casualty
      • Private Client Services
      • Contractor Liability
      • Retail Industries
      • Commercial Autos & Trucks
      • High Risk Dwellings
      • Condo Associations
      • Flood Insurance
    • Life & Health
      • Life and health options
    • Real Estate Services
    • Employment
  • Who are we?
  • Property & Casualty
  • Life & Health
  • Real Estate Services
  • Employment

Risk Management

What is risk management?

Risk management is the process of identifying, analyzing, and prioritizing the various risks to which you are exposed and deciding how to proactively address them.  Most of us cannot realistically avoid risks such as driving a car or owning a home.  Instead we choose to transfer that risk to insurance companies by purchasing insurance policies. Insurance is only truly valuable when it responds after an unexpected loss. Paying for an insurance policy does not mean every type of loss is covered. Be sure you understand the coverage you are purchasing and ask questions if you do not. 

Mitigating risks

The most common losses people experience involve property and liability. One effective way of keeping your insurance costs down is by mitigating the potential for common losses so you do not have to claim them on your insurance.   

Liability Losses

  • Don't lend your car to inexperienced drivers or drivers you do not know
  • Don't cosign auto or property leases or loans without understanding how this exposes you legally and financially
  • Always use licensed and insured vendors to service your home and ask for a certificate of insurance naming you as a certificate holder and/or additional insured
  • Do not host parties or events at your home without verifying the extent of your liability coverage with your agent
  • Notify your agent immediately if you have changed the owner of any of your insured assets
  • Keep your property free of dangerous debris and keep any attractive nuisances out of sight or securely locked.
  • Keep all pets away from guests and do not allow guests to bring their pets onto your property

Auto Losses

Auto Losses

Auto Losses

  • Avoid parking in tight parking spaces or next to shopping carts.
  • Don't follow cars too closely when driving
  • Don't text or email while driving
  • Do not leave valuables in your car
  • Always look towards opposing traffic before proceeding through an intersection after a stop


Home Losses

Auto Losses

Auto Losses

  • Do not run the washing machine or dishwasher when you are not home
  • Check your water heater for signs of deterioration and replace at then end of its lifespan as recommended by the manufacturer 
  • Have your AC serviced at least once per year and be sure your float switch is working properly
  • Replace rubber washing machine hoses with steel-braided hoses
  • Periodically verify your icemaker water line is firmly in place and not leaking
  • Arrange for someone to check on your home at least twice a month if you will be gone for an extended period of time
  • Keep your roof and gutters free of debris and replace loose, missing, or cracked tiles or shingles immediately

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