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One of the problems we have as Americans is that the playing field has been tilted too far in favor of the larger corporations. They are the “people” (see Mitt Romney) with the money and influence to get laws made or unmade. Their attorneys always stand a better chance of getting judgments from courts when it comes to consumer matters. As individuals, we don’t stand much of a chance against them. One of the real problems we face is finding out exactly what these corporations are selling. Although there’s supposed to be truth in advertising, the practical reality is rather different. Marketing is always about how to use many words to sound really good about services or products without actually guaranteeing quality. In the case of insurance, it means using often confusing legal terminology to hide some of the problems consumers are likely to face if they should ever feel the need to make a claim.
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Effective Business Risk Management
Business risk management is an important process for successful ventures, including corporations, sole-proprietorship’s, and partnerships. Although non-profit organizations can also be exposed to risks in their operations, businesses are different in that they are primarily concerned about the bottom line and rate of return. Therefore an effective business risk management strategy is vital to achieving the business’ objectives. A business risk management strategy includes risk assessment, risk analysis, risk prioritization, and action plan development.
The benefits to the organization of a formal risk management process include increased credibility in estimates and forecasts, increased competitiveness, and reduced incidences of fraud. Effective business risk awareness includes the development and implementation of a Risk Management Policy that outlines how the company will identify, measure, and respond to risks.
Inadequate risk policies also often lead to wasted management hours spent reacting threat events after-the-fact. Furthermore, without well-designed policies and templates in place the management team may waste considerable time looking for or preparing for risks that do not pose a material threat at all.
Today’s rapidly changing marketplaces means that companies are increasingly exposed to all types of business risk, including;
Ways to Save on Home Inusurance
Insurance is an absolute must for homeowners, whether you have a mortgage or not. Coverage can protect you and your family from loss associated with property damage. There are multiple ways homeowners can reduce insurance costs. The following are steps you can take to get lower premiums.
Make Home Safer
Not all homes have home security systems. You can lower your insurance costs by installing a home alarm. Having dead bolt locks on doors leading into your home is another security measure. Verify you have enough smoke and carbon monoxide detectors for the size of your home. Check them regularly to make sure they are operating properly. If you have a multi-level home, a fire extinguisher on each floor is a good idea. Incorporating some or all of these into your safety plan may qualify you for a home security discount which will save you money.
Perform Ongoing Maintenance
You should schedule regular maintenance on your home even if you perform the tasks yourself. It is important you maintain your home’s good condition. Let your insurance company know if you replace your roof or install a new electrical system. Each of these updates can lead to insurance discounts. But do not expect the discount to be enough to cover your upgrade costs.
Review Current Home Insurance Coverage
Business Risk Management Certification
One of the primary objectives of most risk management certifications is to ensure that the student is well-trained in the many areas of business risk management. Profit-seeking companies are the largest user of risk management techniques and are thus the largest employer of individuals with risk certificates. Through certification training and courses the student is taught how to identify the business risks unique to their industry or organization, assess the likeliness and impact of occurrence, and manage these risk exposures through elimination, avoidance, transference, and mitigation. There are specific certifications available from individual industry organizations that monitor and evaluate the risk management profession, and therefore there is a plethora of different certificates for individuals and hiring companies to seek.
Business risk management in its most successful form is well-structured, demonstrative, and preemptive.
It requires proactive monitoring of its many different but interconnected moving parts. Effective management of business risks typically involves the development and implementation of an organizational risk management policy or plan that outlines the company’s goals as they relate to risk. This framework further aims to identify the processes that will be used to identify risk in the business’ operation and strategy, and indicate which departments or individuals will be charged with analyzing and mitigating them. The skills required to implement such a framework is another benefit of obtaining a risk management certification.
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