All of the following are actions that a producer must take to properly manage a risk EXCEPT

The focus of risk management in insurance revolves around identifying, assessing, and addressing potential risks to minimize their impact. Each of the actions commonly taken by producers aids in this objective.

Considering loss prevention and self-insurance instead of solely relying on an insurance policy encourages a proactive approach to risk management. This reflects an understanding that managing risks can also involve reducing their likelihood or impact through preventative measures or self-funding.

Calculating the resources a client has available to meet potential losses is crucial for assessing the client's ability to cope with a loss should it occur. This step is essential in evaluating their overall risk exposure and financial stability in the face of unexpected events.

Measuring loss exposures quantifies potential risks, enabling the producer to recommend appropriate coverage and strategies. By identifying the extent and likelihood of risks, a producer can tailor insurance solutions that best fit the client’s needs.

In contrast, calculating the resources a client has to pay premiums, while important for financial planning, does not directly relate to managing risk itself. It falls under the category of assessing financial capability rather than evaluating or mitigating risk exposures. Thus, it is not a core action necessary for effective risk management.