For those organizations that do have full-time risk management staffs, Esses can provide an important outside perspective. Risk managers tap into our experience and industry knowledge to exercise sound judgment and decision-making. For example, we frequently are involved with negotiating insurance-related provisions in contracts between our clients and their customers or their vendors. We also are called on to review and offer our input on policy language, premium adjustments, and renewal terms. The benefit of outside counsel on these and other issues is a valuable resource that can be utilized as needed.