The risk management process can help any organization assure it is properly protected against unforeseen losses and reduce insurance premiums. While the process is not difficult it is also not well understood. Risk Management Why and How provides a simple and easy-to-read explanation of the risk management process for business and financial managers. It begins with a case study about a fire that destroys a hypothetical garage and apartment complex and then explores ways the risk management process might have been employed to avoid the fire entirely, minimize the damage, or at least ensure a financial recovery by its owners. This risk and insurance primer is made available with our compliments and in association with the publisher, International Risk Management Institute, Inc.