What is the fine-grained topic of the following text: These best practices include: examining the cost of not doing the right kind of risk assessment; moving insurance costs from an operating expense line item to a strategic expense; determining the right formula for insurance costs as a percentage of total costs; properly evaluating RFQs when choosing among competing quotes for insurance coverage; and partnering with the right kind of insurance provider. Only return the topic.
Best practices for managing insurance costs and risk assessment