83
RISKMANAGEMENT
APRIL 2015
ACT
worked in an inherentlyhazardous and
riskybusiness andpushing the limitswere
commonpractice.Accidentswere just the
cost of doingbusiness.
AND THAT’SNO LONGERACCEPTABLE?
Noway.Our approach, theNBIS
approach, iswhatwe call proactive risk
management. It’s no longer aDarwinian
“survival of the fittest” approach.Wenow
have the tools, structure, anddesire tonot
only retain acceptable risk andpurchase
insurance for all other possibilities of loss,
but to anticipatepossibilities anddeal
with risks before they arise. It isno longer
acceptable towait and react. Thedays of
“accidents are a cost of doingbusiness”
are longgone and thenewphilosophyof
“safety first”has emerged.
JOHN, EXPLAINNBIS’ PROACTIVE APPROACH.
AsNBIS riskmanagers, our approachhas
to start at the verybeginning. Education
is thekey. Itwouldbe easy to sit back and
wait for a company tohave a claim against
them, and then reachout after the fact to
offer better solutions to improve their risk
management process in the future, but
thiswouldbemanaging frombehind.
commit tomaking the changes that need
tobemade tomeet your organizational
goals andpass those goals and
commitments on toyour employees.
Whenuppermanagement commits to a
safety culture andmakes it a toppriority,
that attitudewill reflect through their
employees and theoverall safety culture
of your organization.
■
WHICH ISSOMETHINGNBISDOESN’TWANT
TODO, RIGHT?
Right.Wedon’twant tomanage from the
back ever. See, riskmanagement isno
longer a start-to-finishprocess; it’s now a
continuous cycle that leads tounremitting
organizational growth. This newvision
has givenus the ability to reachout to all
of our insuredpolicyholders, regardless
of organizational size andbefore an event
occurs, topromote riskmanagement
techniques that either eliminateor
minimize the impact of a loss event.
WHAT CANCOMPANIESCANDO TOHELP
PROACTIVELYMANAGE THEIROWNRISK?
Oneof thebest things any company can
do is tounderstand the valueof being
proactive rather to reactive. Though it
is hard toquantify, by takingpreventive
measures, youwill likelynot have to see
the indirect costs of a loss abovewhat is
directly coveredbyyour insurance.Also,
use your resources. Talk toyour agent and
insuranceprovider about trends theymay
be seeingon theback end and resources
they canprovide that couldmake your
organizationbetter. Adopt a culture
of change, startingwithmanagement
The days of
‘accidents are a cost
of doing business’ are
long gone and the new
philosophy of “safety first”
has emerged.
Joe Doerr
Riskmanager
NBIS
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