>> My final advice to students would be,
you need to have at least a bachelor.
Most insurance companies, risk management
departments, are looking for degrees.
So finish a degree.
Preferably if you can do
finance, that's the best.
But really also it's not the end all be all.
You can come into it like I did.
You will have to get the work experience
which is what I did so I would say,
finish your degree, go to an insurance company.
We have a ton of insurance companies in
Orange County in Southern California.
Start out as a claims adjuster, learn liability.
Learn the rules, learn civil
code, learn government code.
Learn department of insurance code.
And slowly work your way up.
And then once you have the -- what is
critical in risk management is someone
who understands what an exposure
is and how it could look.
It's not so clear cut and it's not an A to B to
C. It's kind of like you're looking at a spear
and you penetrate at one point but you're
not going to come all the way through.
You could bounce and come right back.
You can go all around because all
the factors are always different.
And starting from the ground up is the
best way to learn what these factors can be
and how they could affect how you see
something or how you judge something.
That probably is the best foundation to really
build upon and progress within this profession.
You need to go and you need
to build your knowledge base.
Because you can't -- there's --
you can't really go to school
and walk out and say I can do this job.
Because it is so many different factors.
You need to be a very personable person.
You need to be able to, in
30 seconds look at someone
and determine how you're going to approach them.
So that you can build the rapport.
So that whatever it is you're trying
to accomplish you can accomplish.
You're kind of an actor, you're
a lawyer, you're a professor.
You teach law, you're teaching concepts as well.
When you have to tell someone no,
I'm sorry, we're not responsible,
or this is not the case,
there is no liability here.
You have to teach them what makes liability
and that usually satisfies someone.
So it's a multi-faceted profession.
Uhm, but it's definitely not
what you think when you think
of insurance, when you think of finance.
It's a different thing.