We select our insurance company based on both the premium, and the probability of getting paid. The last thing we want is a dodgy underwriter, so we usually do our homework (or pay a broker to do that for us). No insurance company is credible that doesn’t have a written contract, doesn’t explain the contract […]

Risk management is thinking through the question ahead of time, “What would happen if . . .?”
Coming from the computer business, for years I’ve recommend clients consider the three biggies with data security:

Computer failure
Fire and
Theft

They’d ask, “How often should I back up?” The answer was always, “As often as you cannot afford to lose the […]