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Electric utilities are highly complex and technical businesses, and their risk managers face a daunting array of threats to employees, customers and physical assets.

Effectively overseeing the exposures entails “understanding the technical operations required for the three segments of our business: power generation, transmission of high-voltage electricity across hundreds of miles, and distribution of low-voltage electricity to our retail customers,” says Karl Zimmel, manager of risk-management services at UNS Energy Corp.

As one might expect at a power company, environmental exposures are a leading concern—and a tough exposure for which to secure coverage.

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