Everyone thinks risk management is about insurance, but that is only the tip of the iceberg. In fact, this discussion really just scratches the surface of the ways to mitigate your risk, apart from your commercial insurance.  Don't worry, you know I will get to the insurance stuff, eventually! You can contact us about anything(the poscast, insurance, when to plant your winter squash, literally anything), by droppign an email to [email protected].   And, I am always available by phone at 205-281-5851.  Thanks as always, Dave