DON'T CHASE SMALL CHANGE. YOU COULD BE LEAVING BIG DOLLARS ON THE TABLE. Forget about shopping for quotes to save money on insurance. There are better, more profitable ways to turn big premiums into bottom-line gains―while doing business more effectively overall. If your company pays about a half-million or more in annual premiums, these strategies are well worth a look. Author Brad Johnson has helped many midsize companies take control of their costs and risks. He offers this book as a concise, practical guide to finding the path that will work best for you. "Owning your risk" simply means taking responsibility for your situation―and controlling the flow of your money. Insurance companies can be great partners for managing risk, but they shouldn't dictate the terms of the relationship. As the book clearly shows, insurance companies are set up to win at your expense, regardless of the claims they pay on your behalf. Own Your Risk lays out steps for turning the tables in your favor. These can range from retaining risk via deductibles to joining a group captive, all underpinned by a focus on safety and loss control. And whatever you do, see the chapter on 51 tips for saving money right away.