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Don't try to be your own property/casualty insurance expert. Risk management is complex and no matter how much time and effort you devote to it, chances are you won't get it all right. It simply is not your business. You probably don't have the expertise and even if you do, you need to consider the opportunity cost. Wouldn't you and your company be better off if you devoted that time to your core business?

As Geoffrey Moore says in Living on the Fault Line:
"Core and context interoperate to create quality . . . Without careful management to the contrary, context always gets in the way of core. It's a simple matter of absorbing time, talent and management attention."