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Risk

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How cyber risk should be managed.
Risk

Backups and Training Before Any Policy

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 18, 202612 min read

I’ve spent thirty-seven years looking at the aftermath of disasters, and if there is one thing that makes my blood …

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How theft risk is reduced via layering.
Risk

Layering Deterrents Rather Than Buying One

Gerald Ntumba-Whitlock March 5, 2026March 5, 202611 min read

I remember standing in a darkened living room in Surrey back in ’94, the smell of damp plaster and forced …

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How water damage risk is reduced effectively.
Risk

Leak Detection Pays for Itself Once

Gerald Ntumba-WhitlockUpdated on August 27, 2026March 2, 202612 min read

I remember standing in a semi-basement in Surrey back in ’94, the air thick with the cloying, heavy scent of …

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Learning how fire risk assessments are done.
Risk

Who Must Do a Fire Risk Assessment

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 22, 202612 min read

I remember standing in a half-charred warehouse in the Midlands back in ’98, the smell of wet soot still clinging …

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How fire risk is managed via assessment.
Risk

The Fire Risk Assessment and Its Actions

Gerald Ntumba-Whitlock February 18, 2026February 18, 202612 min read

I remember standing in a half-charred living room in Surrey back in ’94, the air still thick with the acrid, …

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How security measures affect cover alarm conditions.
Risk

Alarm Conditions You Must Actually Follow

Gerald Ntumba-Whitlock February 11, 2026February 11, 202612 min read

I remember standing in a darkened hallway in a suburb outside Johannesburg, the smell of damp plaster and burnt electronics …

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How risk management reduces premiums through fixes.
Risk

Showing an Underwriter What You Fixed

Gerald Ntumba-Whitlock February 2, 2026February 2, 202611 min read

I remember standing in the basement of a mid-sized manufacturing plant back in ’94, the air thick with the smell …

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Understanding how self insurance works.
Risk

Carrying Your Own Small Losses

Gerald Ntumba-Whitlock January 26, 2026January 26, 202612 min read

I remember standing in a half-submerged basement in Surrey back in ’94, watching a business owner realize that his “comprehensive” …

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How risk can be transferred or retained.
Risk

Deciding What to Insure and What to Absorb

Gerald Ntumba-Whitlock January 21, 2026January 21, 202611 min read

I remember standing in a flooded basement in Surrey back in ’94, the smell of damp drywall and stagnant water …

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How likelihood and impact are weighed.
Risk

The Rare Event That Would Finish You

Gerald Ntumba-Whitlock January 10, 2026January 10, 202611 min read

I remember standing in a basement in Surrey back in ’94, the smell of stagnant water and charred electrical insulation …

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