The Chiodaroli family, active in various capacities in the world of insurance since as far back as 1938, founded Chiodaroli Assicuratori in 1971, a company highly specialised in insurance consultancy, and since 2000 also in brokerage, capable of supplying and managing insurance programmes for companies of all sizes, belonging to the most varied sectors. Over time, however, the Salò-based company has broadened its core business to include other strategic activities, creating a second division, KIRM, separate and independent from the first, which deals with Risk Management, i.e. consultancy in the area of corporate risk management. Sebastiano Chiodaroli, CEO of this all-Italian excellence, explains in this long interview how it is possible today to transform a risk from a ‘potential loss’ into a real ‘business opportunity’.
by Roberta Imbimbo
Dr Chiodaroli, how important is the activity of complete and integrated business risk management today?
In order to survive and gain a competitive advantage in an increasingly dynamic and evolving market, companies today are required to be able to renew their strategies, organisation and technologies. However, this drive for innovation and renewal may not be effective if it is not adequately accompanied by a strategy aimed at systematically and consciously managing all the risks associated with a given business activity. Risk management – where ‘management’ means the correct identification, mapping, assessment and indication of the most effective countermeasure to transform risk from a potential loss into a business opportunity – is therefore of strategic importance for businesses of all sizes. Today, there are extremely sophisticated and efficient strategies and tools that can preserve an organisation’s ability to generate value over time.
Why is it extremely important for companies to rely on experienced professionals in this area?
Risk Management, within companies and organisations, is an increasingly fundamental element, and managing it correctly is particularly complex, since it requires an articulated and complete vision of how to identify, measure, treat and monitor all the risks that a company is required to assume in order to be competitive. It also requires the ability to monitor corporate performance predominantly, if not exclusively, from a risk perspective. The company is in fact an ‘entity made of risks’. All too often today, such risks are taken simplistically, with the glare of a profit and with the illusion that greater risks must be taken in order to achieve higher expected returns. In reality, however, risks should only be taken up to the point where they generate positivity; identifying the level beyond which they become a potential loss is precisely the task of a professional risk manager. Thanks to strategic partnerships, which allow us to be operational throughout the country, and thanks to a team of highly qualified professionals, all with European Risk Management Professional Certification, today we are absolutely able to offer complete and reliable consultancy in the subjects that constitute the four fundamental pillars of the ISO 31000 Standard, a business management tool based on the ‘risk-based’ approach, which is extremely effective in helping organisations achieve their business objectives, improve the identification of threats to their business continuity, and effectively use the most appropriate resources for the correct handling of each risk.
For more info (www.kirm.it – sebastiano@chiodaroli.com)
