What are some examples of risks that may not require you to buy insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Buying insurance is one way to deal with risk. However, some risks can be countered with measures such as:

1. Installation of better locks or security devices or by moving to a location less susceptible to crime or flooding etc.

2. Loss of merchandise can be reduced by security devices on the items to be sold.

3.Liability losses resulting from customers slipping and falling can be reduced by clearing away snow or water on walkways, using signs to warn of large steps or redesigning products to reduce the possibility of injury to customers.

A knowledgeable insurance representative may also be able to suggest additional steps to reduce exposure to risks.

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