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We buy insurance as a hedge against financial loss. In addition to insurance, there are steps that individuals and businesses can take to reduce the risk of accident and injury. Collectively, these steps are called risk management, and they can be applied to many aspects of our work and personal lives.

In partnership with the insurance companies we represent, MWIG & DISNE maintains a library of risk management articles. Please open the PDF and use any of the articles on this page. If you need information on a subject not covered here, please call. We will help you find the risk management information you are looking for.

subject: Homeowner's Trust **NEW**  
title: Insuring a Trust Under a Homeowners Policy Open PDF
  When a trust owns the home, you need to make adjustments to the basic homeowners policy to ensure there is adequate coverage.      
     
subject:
Business Auto
 
title:
Driver-owned Vehicles Used for Business purposes
Open PDF
 
This article explains how personal and business auto insurance applies to employees who use thier own vehicles for company business.
 
 
 
subject:
Financial Responsibility
 
title:
Introduction to Certificates of Insurance
Open PDF
 
This article explains why insurance certificates are needed, and the forms that can be used to show financial responsibility.
 
 
 
subject:
Hurricanes
 
title:
Hurricane Preparedness
Open PDF
 
The article describes steps that property owners, both business and individual, can take to reduce hurricane-related property damage.
 
 
 
subject:
Flood
 
title:
Understanding Flood Map Modernization
Open PDF
 
FEMA's Flood Map Modernization program gives business and residential prooperty owners updated information about local flood risks
 
 
 
subject:
Winter Weather
 
title:
Protect Your Property From Severe Winter Weather
Open PDF
 
The article contains a checklist of steps businesses can take to prevent winter weather losses.
 
 
 
subject:
Employee Benefit Plans
 
title:
Fiduciary Liability Loss Prevention
Open PDF
 
Admdinistration of empoyee benefit plans is a complex undertaking. This article offers loss prevention guidelines for plan managers.
 
 
 
subject:
Homeowners Insurance
 
title:
Protecting Your Most Valuable Asset
Open PDF
 
Insuring a home to 100% replacement cost is the best way to protect your property.
 
 
 
subject:
Llfe Insurance, Long-Term Care, Annuities
 
title:
Peace of Mind
Open PDF
 
Family finances can be protected by taking three important steps.
 
 
 
subject:
Business Crime
 
title:
Guide to Preventing Workplace Fraud
Open PDF
 
All businesses are vulnerable to workplace fraud. This article outlines steps that can be taken to prevent it.
 
 
 
subject:
Construction Sites
 
title:
Construction Site Housekeeping Checklist
Open PDF
 
Construction managers can prevent injuries and minimize losses on job sites by following the checklist contained in this article
 
 
 
subject:
Theft
 
title:
Construction Equipment Theft
Open PDF
 
Loss control professionals and insurance agents are working together to make construction sites less vulnerable theft targets.
 
 
 
subject:
Nonprofit Boards
 
title:
D&O Loss Prevention Guidelines for Nonprofit Organizations
Open PDF
 
Knowledgeable governance and sound risk management practices can protect the personal liability of nonprofit board members.
 
 
 
subject:
Director Liability
 
title:
D&O Loss Prevention
Open PDF
 
Executive liability threatens corporations large and small. Sound D&O loss prevention combines insurance, solid corporate governance, and expert legal advice.
 
 
 
subject:
Home Safety
 
title:
Candle Safety Tips
Open PDF
 
Homeowners can take important steps to prevent fires from open flame candles.
 
 
 
subject:
Workers' Comp
 
title:
Rapid Reporting Cuts WC Claim Cost
Open PDF
 
After a work-related accident, the best way to control the cost is to report the claim proptly.
 
 
 
subject:
Workers' Comp
 
title:
Management Safety Policy
Open PDF
 
To achieve maximum safety program benefits, management must commit to employee accident prevention.
 
 
 
subject:
Workers' Comp
 
title:
Accident Investigation
Open PDF
 
Identifying unsafe acts and conditions can prevent future accidents.
 
 
 
subject:
Product Safety
 
title:
Consumer Product Safety Improvement Act of 2008
Open PDF
 
An amendment to the 1972 Consumer Product Safety Act creates tighter requirements for consumer and children's products.