THE BRIA FOCUS We realize that an insurance policy alone can not prevent a serious property loss.  Insurance certainly cannot prevent a liability lawsuit, nor can it prevent your employees from being injured on the job.  As your agent, our goal is to identify exposures, some of which are insurable, some of which are not. True risk management requires developing strategies and processes to reduce your company’s exposures before something happens. Ultimately, this proactive approach reduces your cost of risk and therefore directly affects your bottom line. The cost of insurance is generally fixed over the course of the year. Your company can budget to have “x” percent of your gross income allocated to those costs, but how much do we set aside for self-insured losses, uninsurable risks, and indirect costs? Unfortunately, the insurance transaction is trusted as the sole risk management technique by many companies. In addition to insurance, we look at the policies, processes and procedures outside of insurance that can positively or negatively affect the overall risk of a company, and believe that by doing so, we can reduce our clients’ cost of risk.