The following is an interesting read on Human Capital Risk. Human capital refers to the stock of competences, knowledge and personality attributes embodied in the workforce that has the ability to produce economic value. A workforce that can lead to increased production, innovation and good word of mouth advertising is more valuable and less risky than one with lack of job performance and employee turnover that would result in missed business opportunities and increased costs. It is important, therefore, that you, as a business owner, keep your employees. They are your business. 

By now any organization in Alberta holding a Safety Fitness Certificate will have received notification of changes to the method of calculating the Risk Factor Score for the Carrier Profile. There are several key changes to the process that all organizations need to be familiar with...

Business Interruption is being recognized as the top risk organizations are facing today, and supply chain disruption is being identified as the top customer blind spot.  A survey released last month revealed that 73% of organizations recorded at least one supply chain disruption in 2012, and of these companies, 20% registered a single loss of more than $1 million USD.   

From 2006 to 2010, on average each year, more than 113 people were killed and 1700 people were injured in collisions involving at least one driver who had consumed alcohol prior to the crash.

Smart buyers structure transactions and conduct a detailed risk and insurance risk assessment as part of their due diligence. What do they look for and what do they miss?