All too often insurance is viewed as a commodity, when it should be viewed as a necessary component of your personal or business risk management plan. Many times this plan doesn’t get the attention it deserves because it can be confusing to understand the type of policies one needs to be properly covered in their specific situation. Insurance isn’t a one-size-fits-all type of business. In order to be able to determine what type of coverages or benefit plan is required for you or your business, information must be gathered and the right questions need to be asked. EM Ford has a process we take our clients through to determine the best plan for your needs. Insurance is one piece to the puzzle and the fourth step of our EMF RiskGuideTM Process. First we Identify, second we Analyze, third we Control, fourth we Finance, and fifth we Measure. Make sure your agent is asking the right questions to ensure you have the proper risk management plan in place for your family or business. A good plan will not only cover for losses that we hope don’t happen, but also implement processes and procedures to help prevent those losses from ever happening.