Robert Harder Consulting Group, Inc.

Risk Management and Insurance Consulting

• Insurers are not in the business of paying claims. They are merely in the business of providing payment plans for claims.
   
• An insurance survey provides information for the benefit of an insurer, but  a risk management survey provides information to the benefit of your organization
   
• Insurance is the last resort, and the most expensive way of financing risk.  Avoidance, control, retention, transfer and reduction should be the first choices. They are much more cost effective.
   
• Claims plus 50% = insurance premiums = not a good deal.
   
• Predictable and controllable claims should never be insured.
   
• Manage your business as if you had NO insurance, and then eliminate any needless insurance.
   
• You probably don't obtain your tax advice from Canada Revenue Agency, so why would you seek insurance advice from an insurer?
   
• Given the inevitability of losses, you'll be judged not by whether you were the victim of an event, but by how well you planned for it.
   
• You can't manage what you can't identify or measure
   
• Risk identification is the first and most important step in the risk management process