All of the following are risk management techniques EXCEPT

The option regarding the lowering of limits of liability is not considered a risk management technique in the same way the others are. Risk management techniques typically involve strategies aimed at minimizing risks or their impact on an organization or individual.

Loss control refers to measures taken to reduce the frequency or severity of losses. This can involve safety protocols, training, and implementing preventive measures to manage risks effectively.

Avoidance involves completely eliminating a particular risk by choosing not to engage in certain activities or situations that can lead to loss. For instance, a business might decide against operating in a high-risk area to avoid potential property damage from natural disasters.

Self-insurance is a technique where an individual or business sets aside a specific amount of money to cover potential losses instead of transferring that risk to an insurance company. This allows for management of risk by having funds readily available to handle potential claims directly.

Lowering limits of liability, on the other hand, typically adjusts the amount of coverage provided and does not inherently mitigate risk; it may even increase exposure to loss. Rather than managing risk, it might inadvertently increase vulnerability to financial loss in the event of a claim, as the protection is reduced. Thus, it is not classified alongside the proactive risk management strategies listed in the other options.