by Matthew A. Struck, CPCU, ARM – November 26, 2017

The most effective risk management programs are achieved through buy-in throughout the entire organization. From the janitor’s office all the way up to the C-suite, everyone needs to be on board. So how do you achieve an organization-wide risk management culture?

Benefits of an Organization-wide RM Culture
  • Lower claims costs
  • Lower likelihood of catastrophic claims
  • Better ability to capitalize on opportunistic risks
  • Empowered workforce that has a vested interest in the Risk Management culture of the organization
  • Higher levels of efficiency and productivity
  • Achievement of operational and financial goals
  • Stronger brand image and higher levels of good-will
Best Practices for Achieving an Organization-wide RM Culture 
  • Establish your commitment to risk management in your handbook
  • Require that the commitment to risk management comes from the top of the organization – Leadership should lead by example and never embody “Do as I say, not as I do.”
  • Commit to training your personnel to achieve a higher standard of job performance as well as deepening their understanding of the organizational culture and values
  • Empower workers at every level to be able to contribute to the risk management culture – regardless of seniority, any worker should be able to call a halt to an operation if there is a safety concern or potentially harmful condition
  • Establish and consistently stick to chains of communication – never discipline or discourage an employee from elevating a concern; always be accessible to communication at every level of the chain
  • Incentivize good risk management on an organization-wide, division-wide, and individual level – always call attention to positive behavior that reinforces the culture through public communication and recognition
  • Include your risk management professional/s in the crafting of policies and ideas for recognition

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*Treadstone Risk Management is an insurance broker and risk manager. We are not attorneys. Always seek legal counsel when changing/implementing any policies and procedures. Include your broker/risk manager in the process.
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Treadstone Risk Management LLC was founded by two experienced insurance professionals who share a vision of providing the highest level of service and professional expertise to public and private sector Property & Casualty insurance clientele. Treadstone has identified a need in the insurance brokerage and risk management industry for an agency whose personnel possess the highest level of industry education, training, and experience. We pride ourselves on our ability to deploy those skills collectively through premier customer service and attention.