--- title: RiskGuide description: RiskGuide --- - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) [![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/) * ** * - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/) - 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[Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/) - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/) - [Our BIGN Partnership](https://emford.com/about-our-agency/our-bign-partnership/) - [Personal Insurance](https://emford.com/personal-insurance/) - [Home Insurance](https://emford.com/personal-insurance/home-insurance/) - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/) - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/) - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/) - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/) - [More Personal Insurance](https://emford.com/personal-insurance/) - [Business Insurance](https://emford.com/business-insurance/) - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/) - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/) - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/) - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/) - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/) - [More Business Insurance](https://emford.com/business-insurance/) - [Employee Benefits](https://emford.com/employee-benefits/) - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/) - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/) - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/) - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/) - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [More Employee Benefits](https://emford.com/employee-benefits/) - [Financial Planning](https://emford.com/financial-planning/) - [Request A Quote](https://emford.com/insurance-quote/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) ##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) 600 Frederica Street Owensboro, KY 42301 - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) [Insurance](https://blog.emford.com/tag/insurance) # RiskGuide By [ EM Ford ](https://blog.emford.com/author/em-ford) February 22, 2018 [ No Comments](https://blog.emford.com/riskguide#comments-listing) All too often insurance is viewed as a commodity when it should be viewed as a necessary component of your personal or business risk management plan. Many times this plan doesn’t get the attention it deserves because it can be confusing to understand the type of policies one needs to be properly covered in their specific situation. Insurance isn’t a one-size-fits-all type of business. In order to be able to determine what type of coverages or benefit plan is required for you or your business, information must be gathered and the right questions need to be asked. EM Ford has a process we take our clients through to determine the best plan for your needs. Insurance is one piece to the puzzle and the fourth step of our EMF RiskGuideTM Process. First, we Identify, second, we Analyze, third we Control, fourth we Finance, and fifth we Measure. Make sure your agent is asking the right questions to ensure you have the proper risk management plan in place for your family or business. A good plan will not only cover losses that we hope don’t happen but also implement processes and procedures to help prevent those losses from ever happening. # [Avoiding Water Damage Losses](https://blog.emford.com/avoiding-water-damage-losses) [ EM Ford ](https://blog.emford.com/author/em-ford) | [Personal Insurance](https://blog.emford.com/tag/personal-insurance) | [ No Comments](https://blog.emford.com/avoiding-water-damage-losses#comments-listing) When it comes to water damage losses, no season is safe as they can happen at any time. Each home comes with potential for water damage losses from pipes bursting to faulty construction and plumbing... # [Understanding Credit](https://blog.emford.com/understanding-credit) [ Ryan McDaniel ](https://blog.emford.com/author/ryan-mcdaniel) | [Insurance](https://blog.emford.com/tag/insurance), [Financial Planning](https://blog.emford.com/tag/financial-planning) | [ No Comments](https://blog.emford.com/understanding-credit#comments-listing) It’s difficult to imagine functioning in today’s world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to... # [5 Ways To Save For Your Next Vacation](https://blog.emford.com/5-ways-to-save-for-your-next-vacation) [ John Gleason ](https://blog.emford.com/author/john-gleason) [ No Comments](https://blog.emford.com/5-ways-to-save-for-your-next-vacation#comments-listing) For many of us, last week was fall break. And many are already dreaming about their next vacation. October is Financial Planning Month, and I want to help you financially plan for your next vacation... # [Four Chart Friday With Ryan McDaniel](https://blog.emford.com/four-chart-friday-with-ryan-mcdaniel) [ Ryan McDaniel ](https://blog.emford.com/author/ryan-mcdaniel) | [Financial Planning](https://blog.emford.com/tag/financial-planning) | [ No Comments](https://blog.emford.com/four-chart-friday-with-ryan-mcdaniel#comments-listing) If you’ve talked anything market related with me, you no doubt know I love charts. I think you can learn so much and increase your understanding from them. Here are four charts I’ve been looking at... #### Recent Articles - [Avoiding Water Damage Losses](https://blog.emford.com/avoiding-water-damage-losses) - [Understanding Credit](https://blog.emford.com/understanding-credit) - [5 Ways To Save For Your Next Vacation](https://blog.emford.com/5-ways-to-save-for-your-next-vacation) ### Subscribe here #### About EM Ford EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. [Privacy Policy](https://emford.com/privacy-policy/) | [Website Accessibility](https://emford.com/contact/) #### Personal Insurance - [Home Insurance](https://emford.com/personal-insurance/home-insurance/) - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/) - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/) - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/) - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/) - [*See All*](https://emford.com/personal-insurance/) #### Business Insurance - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/) - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/) - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/) - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/) - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/) - [*See All*](https://emford.com/business-insurance/) #### Employee Benefits - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/) - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/) - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/) - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/) - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [*See All*](https://emford.com/employee-benefits/) © 2026 EM Ford. 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