FORWARD TO THE NOVEL, "HAIRY RISK TAKER"

In the technical jargon of the insurance industry, a risk exposure with “hair on it” is an exposure that is fraught with peril. It is a volatile and dangerous operation that is likely to result in huge property losses and enormous liability claims. Examples are fireworks manufacturers, grain elevators, oil refineries, gasoline tanker trucks, etc. Without the risk transfer mechanism of insurance, no one can afford to operate these hazardous businesses. Only a few agents and insurance companies specialize in this kind of risk. They are highly skilled at loss prevention, loss control and probability analysis. The salesmen who work in this field are experts at risk management, contract law, psychology, finances and the art of negotiation. And of course, they must be top salesmen.

The hero of this story chose the alias name of Hairy Risk Taker to emphasize his expertise. He is handsome, well built and charismatic. His cheerfulness and contentment with life gives him a youthful demeanor that exudes confidence. He is hated and feared by other insurance agents but loved by his clients. He also has skills that are unusual for insurance salesmen. He has black belts in six different martial arts and is a champion marksman with a hand gun. He uses these skills to fight corruption in the business world. He has some eccentricities but basically, he wants to make the world a better place. He is honorable, generous, and has a great sense of humor. The world is filled with unfairness and injustice. Risk Taker is motivated to straighten it out. Next week, we will begin his story.