NOTICE: ALL CHECKS ISSUED BY DICK LAW FIRM MUST BE VERIFIED BY ROBBIE FREDERICK, DEANNA DICK OR ERIC DICK
Skip to Content
Dick Law Firm, PLLC Dick Law Firm, PLLC
Call Us Today! 832-529-9377
Top

What is a Business Insurance Risk?

|

Insurance risk refers to the likelihood that anything will go wrong, exposing your company or the insurer to financial liabilities. Business risk and insurance risk sometimes overlap. By thoroughly grasping the many categories of business risk, you will be able to comprehend insurance risk and, by extension, how insurance may protect a business from catastrophic problems.

Here are the four primary risk categories to consider:

Operational: Operational risk relates to your company's day-to-day activities, such as handling equipment, employees, customers, and your total product. You may manage risk by insuring tangible assets such as equipment and property and by protecting your business operations from external catastrophes such as natural disasters.

Strategy: A strategic risk exists when you or other companies dilute or usurp your company's strategy. Small-business owners must design and adhere to a specific strategy for their product or service. In the event that competitors undermine your strategy by surpassing your product or service or undercutting your costs, you risk falling behind in your industry. Investigating your competition and determining ways to effectively protect your company's strategic assets, such as intellectual property, is essential.

Compliance: Compliance risk relates to your company's ability to adhere to certain industry- or government-specific norms and regulations. This includes tax costs, local zoning and property laws, distribution laws, and other business-related rules and regulations, such as HIPAA and good manufacturing practices. You must be current on the most recent industry regulations to eliminate compliance risk. Taxes and other forms of compliance risk are not insurable, but you should be aware of your obligations by understanding how your firm could be at fault.

Reputational risk is the final form of threat. This includes defending your organization from security difficulties, data privacy breaches, and other cyber threats. It also includes taking precautions to safeguard your brand and logo. You can insure your company and consumer data so that if one is compromised, you are protected.

what is a business insurance risk?
types of risks in insurance
types of risk in insurance
types of risk in insurance ppt
insurance risk analysis
insurance risk
insurance risks types
what is risk in insurance
types of risk in insurance business
types of risk in insurance industry
business risk definition
insurance risk management
what is insurance risk
business risk
types of risk
types of risks in life insurance
insurance risk examples
risk in insurance business
types of insurance risk
types of risks in risk management
insurance risk manager
insurance company risk analysis
risk of insurance company
risk analysis in insurance
what are the classification of risk?
business risk insurance definition
insurance risks
risks in insurance
types of business risk in insurance
types of insurance risk pdf
what is risk in insurance pdf
risk analysis in insurance sector
classes of risk in insurance
types of risk in insurance pdf
concept of risk in insurance pdf
classification of risk in insurance ppt
risk insurance company
insurance and calculating risks
insurance risk modeling
risk management insurance company
business risk partners insurance
types of insurable risk
risks faced by life insurance companies
insurable risk
insurance risk manager jobs
how do insurance companies determine risk
risk management terms and definitions
types of risks in business
types of risks in project management
risk in general insurance
business risks
business risk management
business risks examples
types of risks
types of risk management
business risk vs financial risk
types of risk in business
business risk and financial risk
risk management process in insurance
types of business risk pdf
example of risk
what is risk in finance
types of risks in banking
types of risks in auditing
types of risks faced by financial institutions
risk management and insurance management
list of business risks
definition of risk management
common business risks
types of risk management in business
risk management
what is risk in business
insurance business risk
risks in insurance business
business insurance risks
business risk management procedures
risks in life insurance business
financial risk
risk definition economics
risks of insurance
risk of insurance
insurance and risks
risks and insurance
on risk insurance
insurance on risk
risks insurance
risk in insurance
what is an insurance risk
insurance company risk
risk group insurance
type of risk in insurance
level of risk in insurance
risk of insurance companies
risk for insurance companies
analysis insurance risk
risk rating in insurance
insurance risk rating
risk rating insurance
insurance risk manager job
insurance risk management inc
insurance and risk magazine
risk types in insurance
insurance types of risk
types insurance risk
business risk management definition
risk management in insurance
risk in insurance law
insurance risk pdf
what does an insurance risk manager do?
what is insurance risk?
what is meant by risk management in insurance?
what is risk management insurance?
what is risk assessment in insurance?
what is an insurance risk?
how do you do a risk analysis?
how do insurance companies calculate risk?
what is insurance and risk management?
why is insurance a method of managing risk?
what does irmi stand for in insurance?
what is international risk management?
what is the role of insurance in risk mitigation?
how do you mitigate property risk?
what are the five methods of risk management?
what is class a insurance?
what is insurance risk classification?
what is lob insurance?
what is a line of business in insurance?
what qualifications do you need to be an underwriter?
what does an underwriter do insurance?
what type of risk is gambling?
what is a class of business?
what risks do insurance companies face?
what is risk management in insurance sector?
what is pricing risk?
what is underwriting risk in insurance?
what are insurance risks?
how much is insurance for a startup business?
what does group insurance mean?
how does group insurance work?
what is the classification of insurance?
what are the two fundamental types of insurance companies?
what is insurance and its types?
what is insurance and its principles?
what are the 3 types of risk?
what is the risk in insurance?
does insurance reduce risk?
what is a risk management strategy?
what are the 4 ways to manage risk?
what are the different types of risk management?
what is a rating in insurance?
what is an insurance risk score?
what is insurance manual rating?
what is risk analysis insurance?
what is predictive modeling insurance?
what is catastrophe risk analyst?
what does insurance class mean?
what counts as commuting for insurance?
how much does a defensive driving course lower your insurance?
does social domestic and pleasure cover going to work?
what do insurance companies do with premiums?
how car insurance is calculated?
what is risk and types of risk?
what is a standard risk classification?
what is insured risk?
what are insurable risks?
what does rating mean in insurance?
what is a good insurance score?
what does risk rating mean?
how is risk rating calculated?
what is the best type of life insurance to buy?
at what age do life insurance rates increase?
at what age should you get whole life insurance?
which is better life insurance or term insurance?
what is risk and how risk is determined in life insurance?
what is a risk manager in insurance?
what is irmi insurance?
what is a risk class?
what makes a youth at risk?
what is a high risk child?
what is catastrophe risk?
what are the characteristics of an insurable risk?
what defines an insurable risk?
what are three main types of insurable risks?
are pure risks insurable?
what are the elements of an insurable risk?
what insurable means?
what are some examples of insurable interest?
which of the following is not an element of insurable risks?
what is insurable and non insurable risk?
what are the three main types of insurable risks?
what is pure risk in insurance?
what are the four types of risk?
what are risks in insurance?
what is an example of insurable risk?
what are the elements of insurable risk?
is pure risk insurable?
what are the types of risk?
what is the classification of risk?
what are the different types of risk?
what are the four types of risk management?
what type of risk can be insured?
what are the 7 types of insurance?
how many types of insurance are there?
which type of risk is gambling?
how do insurance companies manage risk?
what is considered high risk for life insurance?
why is life insurance risk determined?
what are the major types of risk?
what is insurance risk law?
what are the different types of business risks?
what is high risk car insurance?
what is the definition of risk in insurance?
what is risk management and insurance?
what's the relationship between risk and insurance?
what is risk in an insurance business?
what is operational risk in insurance?
what is life insurance risk?
how does risk affect insurance companies?
do insurance companies have insurance?
how much more is high risk auto insurance?
how can a business overcome risk?
what business insurance means?
what are the causes of risk in insurance?
how does insurance manage risk?
what is underwriting risk?
is health insurance a general insurance?
what is an all risk property insurance policy?
what is an all risks insurance policy?
how does insurance mitigate risk?
how can a business identify risks?
what are the types of risks?
what does an all risk insurance policy cover?
what insurance companies do?
what determines your automobile insurance premium?
what is a speculative risk in insurance?
what does on risk mean?
what is a risk policy?
how insurance is a risk coverage device?
do i need builders risk insurance?
what are the 5 main risk types that face businesses?
what does all risks insurance mean?
what is covered under all risk insurance?
what is the risk of insurance?
what is an example of risk sharing?
what are the types of risk in insurance?
what is objective risk in insurance?
what are the types of pure risk?
what are the four types of risk mitigation?
what is risk and insurance?
how does insurance reduce risk?
what is the relationship between risk and insurance?
what are types of risks?
what are the different types of insurance risk?
what are the 4 types of insurance?
what are the types of risk classification?
why is insurance a form of risk management?
how does an insurance company determine what premium it must charge policyholders?
what is the main source of information for the underwriter to evaluate risk?
what is risk and insurance management?
what is sai insurance?
what is risk insurance term?
how do i become a insurance risk manager?
what are risk financing techniques?
what is insurance risk retention?
what kind of jobs can you get with a risk management degree?
how much do risk management majors make?
what kind of insurance jobs are there?
what is the job description of a risk manager?
how much do insurance managers make?
what jobs can you get with a risk management degree?
what does a corporate risk manager do?
what can i do with a risk management degree?
what is risk management job description?
what does irmi stand for?
what is an insurance risk assessor called?
what is nist risk management framework?
what are the basic principles of risk management?
what is effective risk management?
what does placed on risk mean?
what does risk management have to do with insurance?
what are the classification of risk in insurance?
do i need business insurance for an llc?
do i need insurance for my small business?
do you need business insurance?
what is risk management insurance salary?
what jobs are in risk management?
how do i become an insurance risk manager?
what jobs can you get with a degree in risk management?
what is your definition of risk?
what is an insurance risk manager?
how much does an insurance risk manager make?
what is a risk manager role?
what is insurance risk management
business risk insurance
business risk insurance company
business risk insurance industry
business risk insurance policy
business insurance risk manager of the year
business insurance risk assessment
high risk business insurance
insurance company risks
risk insurance
risk and insurance
nature of risk in insurance
insurance company risk management
key risk insurance
commercial risk insurance
insurance risk managers
insurance risk mitigation tool
classes of insurance business
underwriting class
class of business in insurance
pricing risk insurance
insurance group classifications
insurance risk management strategy
risk modelling insurance
car classes for insurance
risk classes
rated risk
life insurance table ratings investopedia
insurance risk managers ltd
at risk in a class
characteristics of insurance risk
what kind of risk are suffered by insurance companies
characteristics of risk in insurance
types of international risks
what are the types of business risk
insurance risk europe conference
insurance insurable risk
insurable risk examples
define insurable risks
types of personal risk insurance
types of insurance risks
different types of risks in insurance
two types of insurance risk
categories of risk in insurance
types of insurance risk management
types of insurable risks
property all risk insurance ppt
classification of risk in insurance
export risk and insurance ppt
risk insurer
risk involved in insurance
insurance & risk
risks for insurance companies
concept of business risk ppt
risks insurance companies face
risks associated with insurance companies
risks insurance companies
risk suffered by insurance companies
risks of insurance companies
risk insurers
risk insurances
types of risk in life insurance
risks faced by insurance companies
risk & insurance
difference between risk management and insurance
risk assessment insurance template
insurance risk transfer analysis
life & pensions risk
risk management insurance jobs uk
insurance risk services login
insurance risk manager jobs london
risk management terms defined
irmi online account number
insurance risks and risk management
insurer risk
endorsed off the risk
risk management positions insurance
insurance risk services sanford fl
introduction to the insurance industry
corporate risk management jobs
risk management glossary
risk management terms
definition insurance risk
what does risk mean in insurance
risk management insurance jobs
risk definition insurance
pure risk
risk insurance service
risk management process insurance
use of enterprise risk management in insurance business
all risk insurance
insurance and risk
risk management in general insurance
types of insurance companies
risk management in insurance ppt
risk management vs insurance
what is insurance
is speculative risk insurable
list 4 types of non insurable risk
key risks for insurance companies
risk and insurance management
life insurance risk management
insurance risk magazine
insurance risk analyst
life insurance risk
insurance market risk
insurance risk assessment template
how does risk affect insurance companies
risk management insurance definition
risk management in insurance pdf
objectives of risk management in insurance
insurance predictive modeling
classification of risk pdf
insurance rating class
risk management in health insurance industry
insurance risk managers brookhaven ms
insurance and risk management fbla
insurance risk management jobs
insurance asset risk
insurance risk definition
insurable and uninsurable risks pdf
insurance definition
concept of risk in insurance
strategic risks in insurance
risk and insurance pdf
risk and insurance ppt
emerging insurance risks 2018
risk and insurance magazine release date
insurance news
insurance risks pdf
what is risk
relationship between risk and insurance
risk definition
legal risk insurance
insurance risk services
insurance risk managers champaign il
progressive insurance brookhaven ms
insurance risk management definition
insurance as a tool of risk management
what is risk management in insurance companies
measurement of risk in insurance
risk management insurance fort myers
insurance and risk management services inc naples
dana insurance & risk management
insurance as a risk management tool ppt
life insurance as a wealth creation tool
class of business meaning
classes of insurance pdf
explain different classes of insurance
line of business in insurance
classes and types of insurance
insurance underwriting classes
northwestern mutual underwriting classes
underwriting class life insurance
class rate in insurance
life insurance class
rate class
lloyds class of business codes
line of business insurance
auto insurance rate class codes
casualty classes of business
life insurance class ratings
business insurance calculator
business insurance cost for startup
start up business insurance costs
commercial insurance pricing
business insurance cost llc
insurance risk classification
types of group insurance
group insurance definition
one risk group
types of rating in insurance
classes of insurance
insurance risk assessment
insurance risk formula
general insurance risks
auto insurance class code lookup
insurance class codes for vehicles
insurance classification
how do car insurance companies determine rates
vehicle insurance ratings
life insurance premium calculation formula
risk classification in insurance
risk classes for life insurance
prudential life insurance risk classes
risk classification types
business all risk insurance definition
risk rating scale
risk rating formula
risk rating matrix
risk rating definitions
manual rating health insurance
what is rating in insurance
standard risk in life insurance
how much life insurance do i need calculator
factors that affect life insurance premiums
how much life insurance do i really need
how much life insurance do i need rule of thumb
underwriting factors in life insurance
universal life insurance
risk classification
at risk youth definition
at risk students in education
at risk student definition
characteristics of at risk youth
insurance risk assessor
principles of insurance
elements of insurance risk ppt
insurable risk may exist between all of the following except
types of insurance
adverse selection
characteristics of pure risk
which of the following elements of an insurable risk is least accurate
each of the following must be included in an insurable risk except
types of risks in life
types of risks at work
risk types in project management
causes of business risk
types of business risk ppt
insurance risk north america
risk europe game
insurance erm
risk europe board game
components of risk in insurance
is war an insurable risk
insurable items
pure risk are always insurable
different types of risk in insurance
personal risk insurance definition
types of personal insurance coverage
kinds of risk in insurance
types of health insurance
business risk management plan
business risk examples
business risk management strategies
types of risk management strategies
business risk analysis template
business risk assessment template
business risk assessment checklist
types of risk behaviour amongst teenagers
business risk analysis
business risk partners
business risks in china
business risks in india
types of risk in investment
business risk assessment
types of risk factors
types of risk in project management
business risks articles
types of risk behavior
business risk analysis examples
business risks in mexico
business risk quotes
types of risk assessment
types of risk in banking
business risks definition
business risk definition pdf
business risks audit
types of risk behaviour
business risk definition audit
types of risk takers
what is business risk
commercial risk
risk in business
ideas for insurance articles
examples of risks
how do insurance companies determine business risk
risk business
types of business risk
risks in business
big lou insurance commercials
types of life insurance
financial and non financial risk in insurance
fundamental risk
types of pure risk
how can developing an insurance program help you manage risk
what are the 3 types of risk
pure risk in insurance
particular risk
what type of risk is not insurable
speculative risk
sources of risk in insurance
standard risk in insurance
classification of risk in finance
underwriting risks in insurance companies
cyber risks faced by insurance companies
inherent risk in insurance industry
contractor all risk insurance ppt
property and casualty insurance ppt
health insurance ppt
life insurance ppt
auto insurance ppt
risk and insurance lecture notes
export credit insurance ppt
risk management and insurance ppt
operational risks for insurance companies
definition of insurance pdf
insurance pdf book
market risk for insurance companies
challenges facing insurance industry 2018
changes in life insurance industry
life insurance industry challenges
top risk insurance companies
insurance sector risks
core insurance risks
insurance for business
insurance company emerging risks
types of risk ppt
risk ppt template
types of risk management ppt
types of financial risks ppt
causes of business risk ppt
nature and causes of business risk
natural risks in business
insurance industry risk factors
health insurance industry risks
insurance companies and risk
insurance risks 2018
company risks
risk management insurance companies
risk management in insurance companies
risk types
example of risk insurable
commercial risks
the most common risks are
potential risks
driving involves taking some risks
define business risk
risk management business
risk and risk
company risk rate
small business it risk
business definition of risk
define risk in economics
insurable risk definition
insurance for international business
risk management of insurance companies
major risks in running business
insurance companies using risk management
identify your company risks
managing risk policy type
business management risk
big lou insurance reviews
industry risks
risk management for small business
financial risks in business
business insurance news
key risk management
risk and business
examples of insurable risk in business
insurance line of business
most profitable insurance to sell
characteristics of insurable risk
risk management for companies
business risk solutions
insurance new business
natural risks would be examples of
how to mitigate risk in business
examples of bad risks for insurance companies
insurance risk analysis real world examples
insurance risk analysis examples
off site insurance risk identification
mitigating risk on the insurance side
mitigating risk in insurance
risk in insurance means
perils and ventures risk
special risk policy examples
insurable hazard
how to get rid of a company risk
limitations and risk in a business proposal
major risks in starting a business
major risk factors for corporations
what is personal risk factor in life insurance
it risks common
insurance subcategories
major risks in running a software business
exposure to the operations side of the business
business analytics total local exposures problem
customer specific risk
business risk definition award
identify it company risk
is insurance a product or service
mitigate business risk
business risk mitigation
how to manage risk in business
problems with the insurance industry
business risk management pitfalls to avoid
big risk
commercial insurance risk management
risk insurance example
type of risks in business
business facility insurance
small business risk management
mitigating business risk
common risks
insurance company failures list
types of it risk
secure risk insurance
risks that affect only a single firm are called
risk mitigation insurance
mitigate resultant claims
big lou insurance rating
risk management small business
financial risk for business
importance of insurance business
everyday risks
business risk articles
types of risks faced by companies
insurance loopholes
major risks
threats of insurance companies
all risk homeowners insurance
all risk insurance policy wording
types of personal risk
challenges faced by insurance companies
speculative risk in insurance
types of personal risks
risk management and insurance notes
management of risk by insurer
insurance prediction
risk analysis techniques in insurance
insurance provider risk analysis
insurance risk assessment questionnaire
how does insurance help you manage risk?
insurance is a risk transfer mechanism
non insurance risk transfer
non insurance risk transfer methods
insurance risk transfer definition
risk transfer insurance accounting
alternative risk transfer insurance
introduction to risk and insurance
jobs in risk management
risk management jobs london
insurance manager jobs
insurance risk manager codycross
jobs in risk and compliance
insurance risk manager cody crossword
insurance risk services inc sanford fl
cis group
jobs in risk
what is an insurance risk manager called
insurance magazines uk
risk management keywords
commercial insurance definitions and terms
insurance glossary pdf
enterprise risk management glossary
insurance dictionary book
health insurance terms and definitions
insurance risk management association
irmi online sign in
risk management and insurance book pdf
risk management and insurance books free download
insurance books pdf
fc&s
reference connect
types of risk management in insurance
types of risk management insurance
role of insurance in business
business risk services
common practice for insurance business
bad ideas in the insurance world
buying an insurance policy is an example of risk
2. what type of risk can be offset with insurance
risk in business news
accounting insurance typical limitations
real life examples of business risk
small business risk
insurance company in relation to a business owner
top enterprise risks for small businesses
big lou insurance am best rating
big lou insurance a m best rating
large business insurance
acceptable level of business risk
health insurance risk factors
business risk types
dangers have a simple business model
strategic risks examples
risk the company
why is insurance used as a risk management tool
business control risk mitigation
insurance company operation
international liability insurance small business
life insurance risk assessment
risk management in a company
insurance management business
legal risks insurance
the business of insurance
business risk exposure
largest commercial insurance
risk insurance firm
profitable distribution of exposures
life insurance risk factors
protection against possible financial loss
human risk includes which of the following
commercial products with risk
insurance risk data
insurance risk statistics
industry specific insurance
insurance related articles
small business insurance market
how to minimize business risk
product risk insurance
insurance exposure analysis
corporate risk mitigation
industry risk factors
large insurance claims
business insurance planning
insurance topics for discussion
define exposure in insurance
insurance definition business
business and insurance company
business and insurance companies
list of manufacturing risks
business insurance website
business risk financial risk
business and financial risk
financial risk examples in business
business insurance management
how to reduce business risk associated with it
minor manufacturers issue
financial business risk
how to control business risk
risk management & insurance company
roles and importance of insurance
principles of risk management and insurance
risk management strategies insurance
how insurance helps in risk management
risk financing in insurance
stop gap endorsement form
iso stop gap endorsement
what is stop gap insurance
stop gap endorsement work comp
stop gap coverage example
stop gap endorsement form ohio
risk management and insurance jobs salary
risk management career opportunities
risk management and insurance entry level jobs
risk management insurance job outlook
why study risk management?
risk management job outlook
is risk management a good career
introduction life insurance industry
market trends insurance industry
global insurance industry trends
insurance industry primer
companies insurance market
introduction to insurance pdf
introduction to insurance course
risk management jobs
corporate risk manager job description
risk manager jobs
corporate insurance manager salary
risk management terms quizlet
risk management framework
risk management system
insurance terms
insurance terms and definitions
insurance terminology pdf
glossary of health insurance terms
self insurance definition
premium definition insurance
5 types of business insurance
risk in business environment
small business risks
insurance risk management job description
is risk management hard
insurance risk publications
risk manager job description
insurance manager job description
risk under insurance law
insurance risk manager salary
risk manager meaning
risk manager responsibilities
business risk management examples
business risk analysis example
business risk and financial risk pdf
types of risks in international business
business risk and financial risk example
business risk assessment template excel
business risk and financial risk calculation
business risk and financial risk ppt
smb insurance experience
insurtech opinion pieces
risk management & insurance firm
risk dictionary
risk life insurance
international risk insurance
risk management life insurance
insurance risk study
money risk
risk insurance products
how do health insurance company minimize its risks
potential business risks
how auto insurance companies manage risk
risk management in terms of insurance
insurance risk management companies
should you discuss risks in a business plan
organizational risk how to overcome
corporate group risk
business risk financial
business risk management process
business risk analysis report
business risk management jobs
business risk analysis model
business risk news articles
small business risk management plan
business risk management articles
different types of risk in business
business risk management pdf
types of risk management jobs
business risk management salary
business risk analysis pdf
types of risk management tools
3 types of risk factors
types of risk in business environment
types of risks in a project
two types of risk factors
business risk analysis techniques
types of risks in projects
types of risks pdf
business risk and financial statement risk
types of risk management models
types of risk factors in health
different types of risk factors
internal business risk examples
types of risks in finance
types of risks in an organization
small business risk management strategies
types of risk analysis in project management
types of legal risks in business
types of risks in healthcare
business plan risk analysis sample
business risk assessment pdf
business risk management plan example
types of risks in retail business
types of risk in banking industry
business risk assessment document
types of risk assessment tools
business plan risk analysis example
business risk assessment examples
types of risk in real estate investment
types of risk management controls
types of external risks in business
types of risks in software project management
types of risk assessment methods
types of risk assessment models
types of risk in banking pdf
business risk assessment example
small business risk management plan example
business risk management plan template
business risk analysis matrix
list of business risks audit
business plan risk analysis template
business risk examples audit
types of risk assessment techniques
types of risks in project management pdf
business risk financial risk matrix
types of risk behaviors
types of risk assessment in mental health
business risk assessment matrix
business risk vs financial risk capital structure
types of risk in project management wikipedia
types of risk assessment methodology
business continuity risk examples
types of risk management frameworks
business continuity risks examples
business risk assessment questionnaire
types of risk behaviours
types of risk in banking ppt
types of risk in project management ppt
business risk management procedures to avoid violations of legal duties
business continuity risk assessment checklist
3 types of risk takers
types of risk behaviour amongst south african youth
four types of risk behaviour amongst teenagers
business risk assessment template xls
e-business risk management plan
types of risks in project management knowns and unknowns
company specific risk
risk meaning
sources of business risk
market risks in business
classification of risk
risk management examples in business
small business risk register
risk definition finance
risk on risk off forex
return definition economics
risk on risk off indicators
systematic risk
small business risk assessment template
risk on risk off currencies
how to reduce business risk
risks faced by small businesses
3 at risk
pm risk management
what are the 3 risk factors
what are health risk factors
examples of financial risk
what is the risk assessment formula
risks pay off quotes
risk assessment objectives
cdc youth online
inspirational quotes risk
risks quotes and sayings
where there is no risk without reward
threat assessment and snipers
you'll never be great without taking a chance