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Insuring Our Personal Security
Risk Management Tips
04/01/2004

• AIG advises us to avoid very predictable lifestyle patterns. “Don’t have coffee at the same place every day,” recommends Ross Buchmueller, president of AIG Private Client Group. “Don’t walk the same way to work each day; change your patterns now and then.” He also advises us to be aware of our surroundings. “Learn to see the person standing at the corner.”

• David Little of Sheldon Little Associates says most people have a mental barrier to cross before they start practicing personal risk management. But he believes most of us can manage the day-to-day security issues ourselves: “Most of it is common sense.”

• In addition to controls at gates and doorways at the home and property boundaries, Little suggests installing security sensors in the driveway and in bedrooms. A safe-room, where the residents can hide for at least 10 minutes (or long enough for the police to be called and arrive) in the event of an intruder, is also a good idea. He urges us to avoid parking in designated bays in the garage, and to get thorough background checks on all domestic help.

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