By Brian Heun, producer, KMRD Partners Inc.
As members of the risk management and insurance community, agents and underwriters can never lose sight of a basic truth: While we can help insureds to anticipate, mitigate and transfer risk, we can never eliminate it.
To fully understand the level to which risk is unavoidable, all we need to consider is the simple act of walking up or down the stairs. Stairs are a hazard, while the possibility of missing a step is a risk. To completely eliminate the risk of falling, a person would need to remain on one level for the rest of his or her life. Of course, escalators and elevators are options. However, they carry their own hazards.
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