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Other risks [21]

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Bullet points include: Some types of firm may equate risk management with insurance risk management. Small firms may equate risk management with things they have to fork out for. Or rather what they can do to reduce the amount they are charged for insurance. E.g. Robust data backups, security arrangements, fire equipment, staff management practices, … And insurers do provide ‘risk management’ services that are based on this presupposition. But ERM is more holistic than this

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