By Karyl Dic Debb e S
Debbie Smith, CISR Ro thasenth
l Dicker F e Sm
S thal Br
Risk is a popular strategic board game that was initially invented in the 1950s by a French film director, then later purchased and produced by Parker Brothers with a few modifications. The board game shows a map of the Earth, divided into 6 continents and even further into 42 territories. The object of the game is to occupy every territory through the use of armies that capture other players’ territories, thereby eliminating the other players. The “risk” arises as victories and defeats, and the eventual winner of the game, is determined through simple dice rolls. Though the rules of Risk neither condone nor prohibit alliances, it has been acknowledged that alliances add a powerful interactive element to the game, and can be dealmakers or dealbreakers depending on what side of the alliance you find yourself on. The game can be a metaphor for life, as sometimes the choices we make involve some risk and can sometimes have unintended unfortunate results.
We all experience risk in our everyday lives. Things such as making our morning coffee in our own kitchen, driving a car or even shopping at our local grocery store are all actions that can put us at risk. We might forget to turn off the coffee pot one morning which causes a fire in our home, we might cause a fender bender while driving, or we might slip and fall on a wet spot on the floor in front of the meat counter in our favorite grocery store. These are accidents that we don’t expect to happen – but are risks we take every day.
In the bigger picture, if you are reading this article, chances are you are involved in your local community association or are a service provider to associations. As insurance agents, it is our job to try and educate our clients on ways to reduce risk in their own community.
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Being aware of situations around us is one of the best ways to reduce risk which might lead to an accident or a scenario that might cause damage to others. When you leave your house in the morning, do you double check to make sure that all appliances are turned off? Leaving a coffee pot on or forgetting to turn off the iron can lead to a fire. When you are walking through the grocery store or walking around your community are you aware of your surroundings? Not paying attention to where you are walking can lead to a slip and fall situation.
If you are a board member of your association it is important to be alert and attentive when driving or walking through your association property; make sure to assess your territory. Are any street lights burnt out which cause a dark spot on the street? Are there any pot holes in your streets that need to be reported to your municipality, or does action need to be taken by the board to get them repaired? During a landscape walk did you notice any ruts or holes in the ground that need to be addressed? How about uneven sidewalks which can lead to a slip and fall? Evaluating risk during your everyday life is important – especially if you are responsible for the wellbeing of others.
The very first thing potential insurance agents are taught as they travel down the career path to becoming Risk Managers is the theory of Transfer of Risk. The International Risk
40 | COMMON INTEREST® A Publication of CAI-Illinois Chapter
Rosenthal Brothers Insurance
r Foray, CIRMS, CRIS ns
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