Miller & Associates is an insurance broker and does not have a Risk Management Division. This does not mean that we underestimate the importance of Risk Management for any organisation. On the contrary, we believe that any organisation must have active leading edge risk handling considerations.

Miller & Associates suggests that the following be should be in place and be reviewed annually:

1.	Enterprise wide Risk Management policies and procedures integrated into a comprehensive Corporate Governance framework. The Risk Management program should be conducted in accordance with AS4360 with correct risk identification, analysis, quantification and treatment strategies to form a Corporate Register.
2.	Risk Management education program for all employees. The programme should give employees ownership of risks, input into efficient treatment of risks so as to reduce probability factors, notification procedures for incidents and the like.
3.	Risk Management Standards should be written addressing such items as site protection, incident notification and investigation procedures, dangerous goods handling and storage, safety training, security at sites, property valuations for insurance purposes and the like.
4.	Special risks should be singularly addressed such as driver training, business interruption exposures, insurance valuations, liability exposures, and other identified areas.
5.	Crisis Management and Disaster Recovery plans and procedures, sometimes also referred to as Business Continuity Plans, should be in place for all sites and for all likely scenarios which may interfere with a client’s ability to continue to earn income or provide required services.

Miller & Associates offers to conduct an audit into all aspects of our client’s Risk management programme with a view to ensuring all risks are adequately considered and appropriately handled.

Whilst Miller & Associates do not have a Risk Management Division in Australia, we work closely with a number of Australian Risk Management partners, including:

•	Unicorn Management Services.
•	Pinnacle Risk Services.
•	Safework Solutions.
•	Global Risk Alliance.
•	And of course, with services provided by underwriters.