By Brian Heun, producer, KMRD PartnersInc.
As members of the risk management and insurance community,agents and underwriters can never lose sight of a basic truth:While we can help insureds to anticipate, mitigate and transferrisk, we can never eliminate it.
To fully understand the level to which risk is unavoidable, allwe need to consider is the simple act of walking up or down thestairs. Stairs are a hazard, while the possibility of missing astep is a risk. To completely eliminate the risk of falling, aperson would need to remain on one level for the rest of his or herlife. Of course, escalators and elevators are options. However,they carry their own hazards.
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