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OneDigital Unveils RiskIP: A Game-Changer in Risk Management

ATLANTA, Sept. 22, 2026 – In an industry often focused solely on insurance coverage, OneDigital has introduced a transformative approach to risk management with the launch of RiskIP. This proprietary framework aims to redefine how organizations perceive and manage risk, stepping beyond the conventional realm of merely covering potential losses through insurance.

A New Perspective on Risk

Historically, most risk management programs have been centered around insurance policies, discussing coverage specifics, costs, and renewal terms. However, these conversations frequently overlook emerging risks and fail to address how they might compound and affect a business's core operations.

RiskIP changes this narrative by encouraging organizations to view risk through a broader lens—one that encompasses the essential growth components: people, property, products, and profits. The framework prompts businesses to proactively address risks that fall outside their insurance policies before these threats manifest as losses.

Structured Approach to Risk Management

The RiskIP framework is structured around three pivotal stages: Issues, Implications, and Interventions. Each step builds upon the last:
1. Issues: Identifies the risks that standard insurance reviews may overlook.
2. Implications: Assesses the potential costs to business if these risks are not appropriately managed.
3. Interventions: Prioritizes specific actions to mitigate these risks, effectively shifting the focus from a reactive stance to one of proactive engagement.

This movement from merely discussing insurance coverage to delving into the operational and financial challenges that drive risk is a significant evolution in risk management. Leaders often face challenges that span multiple lines of business, hence solutions must be comprehensive rather than siloed.

Bridging the Gap in Risk Understanding

Amanda Shults, National Practice Leader for Property & Casualty at OneDigital, emphasized the shift RiskIP initiates: “Many organizations rely on their insurance program as their primary risk strategy, but in reality, it's just a safety net. Workforce deficiencies affect loss statistics, and cybersecurity events impact asset valuations. Connecting these dots is crucial, and RiskIP facilitates that clarity.”

The framework fosters a structured perspective, allowing clients to comprehend the underlying issues affecting their risk profile and their overarching business performance. By adopting this method, businesses can go from merely reacting to risks to leveraging them for better outcomes and strategic growth.

Unique Advantages of RiskIP

Unlike many brokers who primarily focus on obtaining insurance coverage, RiskIP provides a disciplined methodology for risk reduction that operates independently of the insurance marketplace. It aims to identify, assess, and address potential risk factors before they become realized losses—and this applies across various sectors, from construction and real estate to medical professional liability.

By equipping clients with a consistent, clear understanding of their risk landscapes, RiskIP empowers organizations to fortify their defenses and thrive in an increasingly complex risk environment. As businesses face ever-evolving challenges, RiskIP stands out as a leading solution for maintaining a robust risk management strategy.

About OneDigital

Founded in 2000, OneDigital is a reputable insurance brokerage and consulting firm that aims to help businesses and individuals achieve their goals related to health, success, and financial security. With a tech-enabled platform that offers personalized solutions, OneDigital is recognized nationally for its caring culture and commitment to advancing client objectives. Headquartered in Atlanta, the firm operates in most major markets nationwide. For more insights, visit OneDigital.com.