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It’s been my experience the insurance industry is too focused on just selling insurance policies. The problem is insurance by itself is not risk management. I approach risk to a business and it’s employees holistically. Looking for opportunities to manage health and safety at home and at work. To do this I follow a five-step risk management process called Risk Management 365. The steps are identify, analyze, control, finance and measure. These steps squeeze risk out of a business so it can keep more money and avoid a devastating loss and injury to employees. These steps must be followed in sequence to be effective because skipping one can result in injury or even death to an employee or loss of the business itself. The first step is the most important because if you don’t know what the risk is you can’t do anything to manage it. Always start with identify.