John Balian, CPCU, ARM

Greater Los Angeles Area United States

Reducing Employers' Cost of Risk | Vice President, Wood Gutmann & Bogart Insurance Brokers

Finance / Banking / Insurance

Managing risk has never been simple. With more exposures than ever before, business owners need more than just insurance – they need professional experience and advice to help make informed decisions and manage their total cost of risk. It takes years to build a profitable business; and one loss could put you out of business if you’re not adequately insured. I have built creative risk management programs for over 30 years. My approach is straightforward: I listen to my clients, take the time to truly understand their business and identify the risks they face. From there, I recommend cost-effective insurance coverages to reduce the frequency, duration and financial impact of disruptive e...