It is estimated that up to 90 percent of all new businesses fail, and although there are a variety of causes, the easiest one to prevent and the least expensive to implement is a proactive risk management program. According to Bulletproof Your Business author and small business expert Brad Forsythe, proactive risk management is critical to the success of a business. “Small businesses must have in place ways to reduce financial and legal risk, reduce the cost of risk insurance, and to better deal with employees, clients and vendors – all of which expose a business to risk.” Forsythe said small business owners must, at the very least, investigate then delegate risk management processes.


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