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Risk management is important irrespective of company size, although it can be a very complicated problem area in large and medium sized companies.

Risk can cost million of dollars, even in term of insurance premiums. Total cost, includes loss prevention, self retained losses (uninsurance risk), and the administrative expenses of insurance and loss prevention.

A comprehensive approach towards Risk Management is very important. Risk that a company can and is prepared to bear itself must be identified. 

Some degree of self insurance is worthwhile for companies with a high risk- retaining capacity. 

Risk that exceed corporate retention must also be identified and can also be transferred to an insurance company.