One of the most important aspects of risk assessment is accurately identifying the potential hazards in your home or arising out of your life style. Hazards are things that could potentially be harmful to someone’s life, health, property, or the environment. A good starting point is to walk around your home and property. Also consider your hobbies and think of your normal day-to-day activities. In other words, what is it about your physical presence, your environment, your activities and hobbies, and your community/social involvement that could cause bodily injury, reputational/personal injury and/or property damage? During this process you need to think about what and who could be harmed.