When we are running a business, sometimes we hire an advisor to help us to overcome the businesses’ risks. In that case, advisors often recommend that business owners include a careful assessment of risks faced by an enterprise, no matter how small. Risk management starts with identifying various exposures to risk and then deciding on the best way to deal with each of them. With each exposure to risk, determine how serious it would be, and whether the loss is one that you could afford to allow or whether you need to find a way to offset that risk in some way.
One of the first things you should do as you draw up your business plan is to make contact with a capable and well-informed commercial insurance agent. Shop around to find an agent who is able to communicate with you and willing to put your interests above all, even above his or her sales commission. Ask friends, family, and business acquaintances for recommendations. This is actually hardest to find.
One way to deal with the possibility of risk is to mount an active campaign to reduce exposure. For example, you might choose not to accept very valuable items for repair unless the owner relieves you of liability or pays for special insurance coverage. You might choose not to sell particular products because of an increased chance of liability: for example, trampolines, diving boards, and weapons. You might choose to insist on replacing broken parts with new ones instead of making repairs, because new parts have higher reliability. You might choose to accept a babysitting job but refuse to transport children to or from school or other activities.
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