Blog 2017-06-30T18:05:08+00:00

The Risksmart Solutions Blog

Annual Risk and Protection Checklist

Here is your annual reminder!

As you organize your priorities for the New Year, don’t forget to include these on your list.

Seven key risk and protection reminders for your checklist:

We know these factors are important, yet […]

By | January 9th, 2018|0 Comments

Your Personal Insurance

Two important questions are often misunderstood when I am asked about personal insurance.

Recently, a client asked, “I have replacement cost insurance on my house, so I’m in good shape, right?”

Then he added, “Because I have […]

By | December 12th, 2017|0 Comments

Planning on a Disaster?

Humans are wonderful procrastinators. Our defense is usually: “Well, it won’t happen to me…!” And yet hardly a week goes by without news of businesses, homes, and lives that are destroyed by wildfires, floods, tornados, […]

By | November 7th, 2017|0 Comments

Weather Alerts

September is statistically the most active hurricane month, as we’ve recently been reminded. Meanwhile, wildfires peak at the same driest times of the year.

Seasonal and weather risks can mean different things depending on your location. […]

By | October 10th, 2017|0 Comments

Vendors = Hidden Risks

Vendors, suppliers, service providers, and consultants have become indispensable to many businesses. “Vendor” is a generic term for many sales and service providers, such as couriers, cleaners, accountants, bookkeepers, strategy or insurance consultants, lawyers, insurance […]

By | August 8th, 2017|1 Comment

Insurance — Expense, or Investment?

Even after all your risk management time and effort, most firms need insurance to protect the bottom line from unexpected large losses or lawsuits.

Is insurance just a necessary expense?

If you buy transactionally – meaning you […]

By | July 11th, 2017|1 Comment

Business Risks are Dynamic

Most of us think about risk in terms of statistics – what’s the chance I will win the lottery? What’s the chance of a major earthquake, flood, or wildfire?

How People Understand Risk

While certain risks are […]

By | December 6th, 2016|0 Comments

Workplace Violence Prevention

Violence seems to be everywhere these days. And, like many things, the meaning has evolved – from physical force to one that now includes threats, intimidation, harassment, assaults, and bullying.

Two million American workers experience violence […]

By | November 3rd, 2016|2 Comments

Weather Alerts

Some risks are seasonal and “weather” can mean different things depending on your location. This time of year, the fall equinox is upon us and means it’s time to get ready for weather!

Here are simple […]

By | October 4th, 2016|0 Comments

Pokémon Risks

Who hasn’t heard of the new game craze Pokémon Go? It’s a new and unprecedented activity, and unlike any game we’ve seen before. But do you know the risks it could cause to you as […]

By | August 9th, 2016|0 Comments

Risk Management Demystified

Business is risky. Some risk, of course, is good – but it needs to be managed. Consider the dangers of preparing your own tax returns. Your accountant’s special expertise lets you “manage” the risk of […]

By | July 12th, 2016|0 Comments

On the Road Again

School will soon be out – are you ready to hit the road? Do you want to combine some vacation with business? Great! With smartphones, tablets and apps, it’s easier than ever not to miss […]

By | May 3rd, 2016|2 Comments

Got Docs?

Just like changing the clocks makes us think about smoke alarm batteries, tax time reminds us of all the stuff we have around!

Saving, protecting, sorting, archiving, and eventually destroying business or personal documents can be […]

By | April 5th, 2016|1 Comment

Business Disruption Checkup

Disruption” can have several meanings, but it all feels very uncomfortable!

  • There can be positive impacts if you are the creator of disruptive innovation, like Uber or Airbnb.
  • Then there are disasters – both accidental (like fires, […]
By | February 9th, 2016|0 Comments

Data Loss

Yes, this is another reminder! Aren’t we all tired of hearing about hacks and breaches and identity theft? There are almost daily articles, warnings and some huge, disastrous examples – it can be easy to […]

By | December 7th, 2015|0 Comments

Ready for El Niño?

Further to last month’s weather alerts tip, several readers asked about El Niño. This weather disturbance where Pacific Ocean temperatures alter dramatically, can bring heavy rains to the western U.S. and Canada, and dry and […]

By | November 9th, 2015|1 Comment

Weather Alerts

Some risks are seasonal. The fall equinox means it’s time to get ready for weather!

Here are pertinent reminders to help you and your family, your employees and your business to be prepared. A special thanks […]

By | October 5th, 2015|0 Comments

Internet Gurus and DIKW

I was recently asked if an email about personal security was for real. It said, in big bold letters:

“Tell everyone, even the checkout-out girl … put your car keys beside your bed at […]

By | August 11th, 2015|1 Comment

Workers’ Comp Nightmare

One of the biggest shocks clients experience is when, after years with no injuries, a moderate accident occurs and a worker is injured. What often comes next is difficulties finding the insurer’s medical clinic, […]

By | June 8th, 2015|3 Comments

Cyber Drill Down #3

This Tip is the third and final installment of the Cyber Breach Response series. So far, we’ve discussed the costs of a data loss, the benefits to your reputation of having a plan, and […]

By | April 27th, 2015|3 Comments

Cyber Breach Response

We humans have an ingrained “It won’t happen to me” attitude, as well as a head-in-the-sand reaction to things we don’t – or don’t want to – fully understand. It’s part of our nature.

However, there […]

By | February 4th, 2015|0 Comments

Where’s Your Data?

In Florida, a healthcare provider was recently charged with a lawsuit in light of a data breach. The results of their case mandated these specific precautions:

  1. Security awareness and training programs for all employees
  2. Training on laptop […]
By | December 10th, 2014|0 Comments

Planning on a Disaster?

Humans are wonderful procrastinators. Our knee-jerk defense is, “Well, it won’t happen to me…!” And yet hardly a week goes by without news of businesses and homes destroyed by wildfires, floods, tornados, hurricanes and earthquakes.

By | November 11th, 2014|1 Comment

Insurance Account Reviews

Most clients don’t initially understand all the services their insurance broker can provide. An annual account review is an excellent example and a great learning experience.

What’s an Account Review?

It’s […]

By | September 8th, 2014|1 Comment

How To Train Your Attorney

Do I hear a snort?  Or possibly an “Oh, sure?” Does the title sound like How To Train Your Dragon? And when you question an invoice you’ll get your eyebrows singed off?

For many reasons, lawyering […]

By | August 11th, 2014|3 Comments

Correcting Safety Hazards

We’ve talked about a Safety Plan as a critical foundation to ensuring business survival.  Many businesses round out the culture of Safety by including product and service reliability and quality – or as one client’s […]

By | June 17th, 2014|2 Comments

Safety and the Bottom Line

In the past three to five years I’ve become painfully aware how fundamental safety is to risk management and to business owners’ bottom line.

I’ve seen workers’ compensation “experience mod” rates soar with: a couple of […]

By | March 11th, 2014|1 Comment

Can Your Business Run Without You?

While Charles continues his recovery, RiskSmart Tips would like to thank several colleagues for volunteering to contribute their professional views, particularly in the areas of avoiding, planning for, and managing business risk.  This month’s tip […]

By | December 9th, 2013|0 Comments

Managing Your IT Risk

Symantec’s Internet Security Threat Report 2013 lists small businesses as the target of 31% of all cyber attacks in 2012, up from 18% in 2011.

“While it can be argued that the rewards of attacking a […]

By | November 11th, 2013|1 Comment

The Checklist

While Charles continues his recovery, RiskSmart Tips would like to thank several colleagues for volunteering to contribute their professional views, particularly in the areas of avoiding, planning for, and managing a crisis.  This month’s tip […]

By | October 7th, 2013|0 Comments

Fast Growth Can Be Risky Business

Many business people envy the companies that are on the “100 Fastest Growing” lists.  The risk manager says, “Be careful what you wish for.”  Sometimes what looks good from the outside can be a painful […]

By | July 8th, 2013|3 Comments

Exit Checklist

“If you don’t know where you’re going you might wind up someplace else.” ~Yogi Berra

Isn’t planning great?  Some folks seem to spend their time writing stuff down and never really doing anything.  While […]

By | May 7th, 2013|0 Comments

Howdy Partner – Friend or Foe

I remember what is probably an apocryphal story about the Lone Ranger and his sidekick, Tonto riding over the ridge to face a large band of hostile Indians.  The Lone Ranger says, “I think we’re […]

By | February 12th, 2013|0 Comments

Disasters – 10 Ways to Be Prepared

Quote:  Better to remain silent and be thought a fool than to speak out and remove all doubt.  ~ Abraham Lincoln


Title: Disasters – 10 Ways to Be Prepared


“Disasters” for small and midsize enterprises (SMEs) can […]

By | December 11th, 2012|0 Comments

Annual Insurance Budget Alert

Many businesses and not-for-profit organizations want to plan for next year’s revenues and expenses.  For many, insurance premiums can have a major impact and may require adjusted pricing on products and services in 2013.

RiskSmart Solutions […]

By | November 27th, 2012|0 Comments

Annual Cold Weather Alert

Winter’s fast approaching – or already here – in many parts of the US.  Even the San Francisco Bay Area may experience some record lows over the next few weeks.  Is your business or home […]

By | November 20th, 2012|0 Comments

Time Change and Smoke Alarms

While many people have hard-wired smoke detectors as part of their home alarm systems, they often supplement that system with battery-powered extra units.

Residential smoke alarms need to be on every level and are recommended in […]

By | November 16th, 2012|0 Comments

Insurance Premium Audits

Many business insurance policies are subject to audit by the insurance company.  Initial premiums are calculated from revenue, payroll or other estimates. These estimates can change and, no surprise, the insurer wants more premium!

What can […]

By | September 11th, 2012|2 Comments

Certificates Not Always Certain

Certificates of Insurance and Additional Insured (AI) endorsements are usually a “best practice” whenever you hire subcontractors and certain suppliers and vendors.  Many businesses don’t understand the pitfalls of getting this right.

By | August 7th, 2012|2 Comments

Why You Need a Risk Manager

Many mid-size organizations depend on just an insurance broker for their entire Risk Protection Program.  Today’s world is marked by increasing business complexity and insurance coverage restrictions.  Should we be surprised that execs […]

By | June 13th, 2012|3 Comments

Risk Profiles Save Money

Do duct tape and plastic sheeting form the cornerstone of your business security and protection plan?  Were things ever that simple?  Here’s the real question:  How do you handle the high costs of insurance premiums?

If […]

By | March 4th, 2012|1 Comment



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