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In The Winery















































               that is almost certain to occur but has few serious      or other safety measures. Always ask, “Is there
               consequences needs little attention. This enables        something we could do to provide this safely?”
               you to identify and mitigate risks that may be less      If the answer is “yes”, risk modification (#2 -
               certain but have greater consequences.                   next) may be more practical.

                              Prioritize Your List                  2.  Change it or modification: Modification is
                                                                        simply changing an activity or service to make
                 Once you’ve assessed your risks, you can begin to      it safer. Policies and procedures are exam-
               take steps to control them – giving priority to those    ples of risk modification. For example, if a
               with the greatest likelihood of occurrence and/or        winery is concerned about the risk of using
               biggest potential impact.                                unsafe drivers make deliveries, they might add
                                                                        Department of Motor Vehicle (DMV) record
                 Select appropriate risk management strategies          checks to its screening process.
               and implement your plan. Here are four basic risk
               management techniques that can be used individ-      3.  Take it on yourself/retention: A winery may
               ually or in combination to address virtually most        decide that other available techniques above
               every risk you face:                                     aren’t suitable and it will retain the risk of
                                                                        harm or loss. For example, when a winery pur-
               1.  Avoid it: Whenever you can’t do something            chases liability insurance and elects a $1,000
                   with a high degree of safety, you should             deductible, it’s retaining risk. Where organiza-
                   choose avoidance as a risk management tech-          tions get into trouble is when risk is retained
                   nique. Don’t engage in an activity or provide        unintentionally, such as within the exclusions
                   a service that pose too great a risk. In some        of their insurance policy.
                   cases, avoidance is the best technique because
                   many wineries don’t have the financial resourc-  4.  Share it: Risk sharing involves sharing risk with
                   es required to fund the training, supervision,       another through a contract. (Insurance is an

               Page 22                            The Grapevine • May - June 2021                          877-892-5332





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