Risk—the probability of an unfavorable outcome—is inherent in virtually any project or commercial undertaking. In the construction arena, an “unfavorable outcome” can mean a significant project delay or cost overrun, a long-term serviceability problem, or a catastrophic accident causing bodily injury or property damage. Thus, the development, implementation, and maintenance of a sound risk management program is a serious and substantial undertaking. It must be a continuous process that involves all levels of firm personnel. No contract form or insurance policy will substitute for this effort. Take advantage of the wide range of practice management and risk avoidance tools available to you as a Schinnerer policyholder.