Insurance and risk management isn't just about buying an insurance policy. Whether you are a family or a growing business, it is about identifying your potential exposures to loss and deciding the best way to handle them.  No doubt, for many, a standard policy of insurance is the best and easiest way to handle risk.  But, there are still many ways to customize that otherwise standard policy.  In addition to specific coverage types, you need to evaluate the limits of insurance, deductibles, covered causes of loss and a host of other options.  For some exposures, it is completely legitimate to self-insure the risk.  The important point is that we have the knowledge and experience to help you identify potential risk and help you through this process of finding the right balance of insurance coverage and self-insurance.