OneDigital Launches RiskIP, an Integrated Risk Management Framework That Protects Companies Beyond the Insurance Policy

Proprietary Issues-Implications-Interventions methodology challenges the industry’s default equation of premium with protection

OneDigital, a leading insurance brokerage, financial services and HR consulting firm, announced the launch of RiskIP, a proprietary risk management framework designed to help organizations see how risk impacts their core growth drivers – people, property, products and profits, and act on the risks that sit outside their insurance policies, before those risks become losses.

Most risk programs start and end with the insurance conversation: what’s covered, what it costs, how it renews. That conversation doesn’t always surface emerging exposures, show how they compound across a business, or reduce the odds they occur in the first place. RiskIP was developed to start earlier, giving organizations a structured way to manage their total risk investment proactively rather than simply financing losses after they happen.

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The framework moves clients through three stages: Issues, Implications, and Interventions. Each stage builds on the last, surfacing exposures a standard insurance review wouldn’t catch, identifying what those exposures actually cost a business if left unaddressed, and prioritizing the specific actions that reduce them. That’s the shift RiskIP makes: instead of a conversation about coverage, RiskIP starts with the operational, financial, and strategic issues driving risk in the first place. The challenges leaders face are rarely contained to one line of business, and neither are the solutions.

“Too many organizations treat their insurance program as their risk strategy, when it’s really the last line of defense,” said Amanda Shults, National Practice Leader, Property & Casualty, at OneDigital. “Workforce pressure shows up in loss runs. A cyber event shows up in a valuation. Those dots don’t get connected when advisors work in silos. RiskIP gives our clients a structured way to see the issues that are actually driving their risk profile, understand what those issues mean for business performance, and act on them. It’s a shift from reacting to risk to leveraging risk to drive better outcomes.”