Agency risk, insurance, and contracts

Independent agencies carry more risk than they usually name. One large client, one unsigned scope change, one uninsured form of advice, or one undocumented process can turn an ordinary month into a threat to the business.

Risk here is both formal — professional indemnity, contracts, liability — and operational: concentration, founder dependency, and fragile delivery. A policy cannot protect a process nobody can explain, and a process cannot replace a missing clause.

Start with the operational audit and concentration test, then use the contracts checklist and insurance guide to close the formal gaps.