That hasn't been my experience with our insurance carrier, USAA (homeowner’s policy, auto policy, and rental insurance policy for princess riverdawg). I have to answer questions every year at policy renewal time regarding conditions in and around my house, driving habits and records of the insured persons on the policy, etc. We recently had our house re-roofed and got a $100 reduction on our premium. After determining that princess did not have a car at college and rarely drives during the school year, USAA reduced the family auto insurance premium. The company also told us that if we had our smoke/CO2 detectors tied into the security alarm system, we would save money there, too. I'd say that is very pro-active risk management.
When they send a firefighter to your house to score it and email you a rate chart with the options, including the relative competence of your local FD, the access through the neighborhood, their fuel loads, etc. then I'll believe that.
I'd say that is very pro-active risk management.
It isn't pro-active risk management when the fire insurers can go to the State and get a rate hike because they lost a bucket-load insuring for earthquake damage. Those kinds of shenanigans are rampant. Where was the insurer of the airlines who put in cheesy cockpit doors before 9-11? Nope, the FAA assumed that risk (that's you and me). And so on. Flood insurance? FEMA? OSHA? How about the EPA??? Please.
Risk management in this country is highly socialized. It's the single biggest justification for the regulatory government that's killing us.