Most people belive that the best way to take care of their reisk exposure is to go to a local independent agent and purchase as much insurance as their budge 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 can't purchase insurance against and these need to be controlled, which is only part of the risk management process.  

Click Here 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 objectives that allow a company to plan and budget it's risk better.