Which item is part of being proactive about risk warnings?

• A. Emergency Plan
• B. Insurance
• C. Pre-activity physicals/Swim tests
• D. Meet with all stakeholders to review USRA safety DVD

Answer: (B)

Proactive risk management means planning ahead for what could go wrong and having resources in place to handle it. Insurance fits into that mindset by providing financial protection and certainty if a risk warning leads to costs, claims, or liability. It shows you’ve prepared to manage the consequences of risk, not just warn about it.

Emergency plans, pre-activity health checks, and meetings to review safety content are all valuable prep and prevention steps. They reduce the chance of an incident or ensure you’re ready to act, but insurance specifically ensures there is a safety net and resources available to respond and recover when risk warnings translate into real costs.