Risk identification and risk assessment are the first steps in risk management.  How is your organization structured?  Are all affiliates majority owned?  Do your principals have personal exposure related to property they may own in their names individually?

What do you do?  What did you do differently twenty-five (25) years ago?  What do you own? What do you lease?  What kind of contracts and agreements have you signed?  What do you sell?  What services do you perform?  What do you purchase?  Do you use contractors and subcontractors?

Each of these questions raise issues that commonly involve exclusions or limitations in standard form commercial insurance programs.  These issues are seldom addressed by the insurance industry.