The Cost of Risk



Self-insurance Regulations

Ticking Away
Take care when lowering premiums by combining higher deductibles with less coverage. You could be creating an explosive situation.

Reward for Risk
Conventional insurance aims to limit exposure in exchange for an often heavy premium. But a captive program may offer a return on investment — if you have excellent loss control and can stomach the risk.

Finding the Good Egg
Risk management begins with hiring the right people and ensuring they stay on the straight and narrow. Cutting corners could reduce safety and lead to overwhelming losses.