Crucial to the Risk Management Process is the proper evaluation of the "human-side" of an enterprise. The potential impact on the firm due to the loss of human resources as a result of death, disability, retirement or replacement requires specialized skills and adaptation of economic valuation methods. Proper planning and , if need be, funding of risk control methods in this area assist the business owner in provided for these contingencies:

	Key man Life Insurance
	Business Overhead Expense Contracts
	Disability Buy-outs
	401K Plans
	Estate / Personal Planning
	Buy-Sell Agreements
Your Risk Management Partner will be glad to discuss any of these programs with you.