Rethinking Risk This 4th of July
As we gear up for fireworks, family, and freedom, the 4th of July is a natural time to reflect—not just on our country’s independence, but on what it means to feel truly secure in our own lives and businesses.
At RMP, we think about freedom a little differently. While most people define it as “life without limits,” we believe freedom is actually the result of well-managed risk. When you know what could go wrong—and have a plan in place—you’re not just protected, you’re empowered.
Independence from Worry Isn’t Free
You’ve probably heard it a hundred times: “15 minutes could save you 15%.”
But here’s the truth we live by at RMP:
The most expensive thing you can buy is cheap insurance.
Fast quotes and low premiums might seem attractive, but they often come at the cost of coverage gaps, high deductibles, or no real guidance when a claim hits. That’s not freedom—that’s exposure.
Our clients don’t come to us for the lowest price. They come for a partner who can help them understand their risk, mitigate it, and only then look at the cost of transferring the remaining risk to an insurance carrier.
It’s a consultative process, not a sales pitch.
July Risks Are Real—Especially in the Rockies
In Colorado and across the mountain region, summer isn’t just BBQs and boating.
It’s also:
- Wildfire season, especially in the foothills and high-desert zones
- Property risks from short-term vacation rentals or unoccupied second homes
- Increased liability from backyard fireworks, pool parties, and ATV use
- Cyber exposure, especially for seasonal businesses or travel-related transactions
If your current insurance provider isn’t asking you about these things, they’re not managing your risk—they’re just taking your premium.
How We Help Our Clients Reclaim Peace of Mind
At RMP, we guide every client through a clear, strategic process:
- Uncover exposures—not just what’s insured, but what’s not
- Assess frequency and severity—wildfire vs. water damage, employee claims vs. cyber breach
- Design mitigation strategies—from coverage layers to better operations
- Transfer the remaining risk—only after the first three steps are complete
This approach applies whether you’re a homeowner with a vacation property, a contractor gearing up for a busy summer, or a business owner with new hires and expanded operations.
This Holiday, Ask Yourself One Simple Question:
If something goes wrong this weekend, will I be saying, “I’m glad we planned for this”—or “I wish I’d called someone sooner”?
We’re not in the business of quoting fast. We’re in the business of helping smart people avoid blind spots, protect what matters, and sleep well at night—even during fire season.
If You’re Unsure About a Risk, Let’s Talk
We’re not for everyone. If you’re price-shopping or just want a quote to compare, we’re probably not the right fit.
But if you value long-term peace of mind and want to work with a partner who sees risk before it becomes loss—we’re here.
Call, click, or email anytime.
We’re local. We’re responsive. And we’re always ready to help you make smarter decisions.
