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Enterprise Risk guides
The annual business insurance review: what to updateWhat to check each year, from property values and payroll to contract limits, cyber controls and new forms, and which changes should trigger an earlier review.Writing a business continuity plan: a step-by-step guideHow to write a business continuity plan: impact analysis, recovery times, plans for people, sites, IT and suppliers, testing, and how it fits your insurance.How to budget for business insuranceBuild an insurance budget from premium, deductibles, audits, taxes and fees, then test it against cash flow and total cost of risk, with a worked hypothetical.Business insurance renewal: a 90-day checklistA dated, step-by-step plan for the 120 days before your commercial policies expire, with what to gather, what to ask and what 2026 market data says to expect.Business succession planning and the insurance that funds itHow a succession plan uses buy-sell agreements, life and disability insurance and key person coverage to transfer a closely held business smoothly.Contingent business interruption insurance and supply chain riskContingent business interruption pays lost income when a supplier's or customer's property is physically damaged. How the forms work and where they fall short.Contractual risk transfer: shifting liability by contract and insuranceHow indemnity clauses, insurance requirements, waivers and bonds shift liability to a counterparty, and where each fails: solvency, endorsements, state law.Deductibles vs self-insured retentions: who pays firstA deductible is billed back after the insurer pays; a self-insured retention is paid by you first. How each affects claim control, limits and credit risk.Disaster preparedness for small businesses: a practical checklistDisaster preparedness for small businesses: map your hazards, check flood and wind coverage early, protect people and records, and document property.Enterprise risk management (ERM) explainedWhat enterprise risk management is, how COSO's 2017 framework and ISO 31000 define it, how risk appetite works, and how an ERM program changes insurance buying.ESG and the insurance market: what it means for your coverageESG reaches business insurance through underwriting appetite, greenwashing and governance claims, green rebuilding endorsements and politics.Insurance loss control inspections: what to expectWhat an insurer's loss control inspection covers, the policy wording behind it, how to prepare, how to answer recommendations and what ignoring them can cost.Risk management for small businesses: a practical frameworkA five-step risk routine for small businesses: list exposures, rate them, choose avoid, reduce, transfer or retain, assign owners, and review every year.How to build a risk registerA risk register is a table with one row per risk. The columns to use, a 1 to 5 scoring scale, a worked example and how to keep it current and tied to insurance.Risk transfer vs retention: avoid, reduce, transfer or retainEvery risk gets one of four responses: avoid, reduce, transfer or retain. How to choose using severity and capacity, with a worked deductible example.Supply chain risk and insurance: what is covered and what is notHow to map and score supplier risk, which insurance lines respond to supply chain losses, and the disruptions no policy covers: tariffs, strikes, insolvency.Total cost of risk (TCOR): what it includes and how to calculate itTotal cost of risk adds premiums, retained losses, fees, safety spending and staff time into one yearly figure. The formula, a worked comparison and pitfalls.What a risk manager does, and when a business needs oneWhat a risk manager does: find exposures, decide what to keep or insure, run the insurance program and claims, and when a business should hire one.What business insurance do I need? A checklist by riskMatch your exposures to coverage: what the law requires, what contracts demand, what could end the business and what is situational, with a checklist by risk.