Most people believe that the best way to take care of their risk exposure is to go to a local independent agent and purchase as much insurance as their budget may tolerate and then hope the agent has done a good job. While a different version of this is an important part of the risk management process; the actual risk management needs to be started long before the process. Sometimes there are different risk exposures that a person cannot purchase insurance against and these need to be controlled, which is only part of the risk management process.  

For a brief overview of the benefits of risk management that can reduce the cost of accidents, provide adequate insurance, integrate safety plans and provide a more balanced view of cost/benefit ojectives that allow a company to plan and budget it's risk better  Click Here.