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PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR Carle Publishing Inc. Erika MacLeod Carmen McKay Stacey Cowperthwaite ADVERTISING Slayde Omura Chason Ishii CONTRIBUTORS Chason Ishii John DiJulius Debbie Hagihara Neil Pasricha Dean Robert Grazosi Joe Pulizzi Ari Weinzweig Mel Robbins John Ruhlin Dave Kerpen Vince Miyoi Jeremy Imai Bonnie Pang Tricia Miyashiro Kristen Ribilla Sharilyn Tanaka PHOTOGRAPHY Hawaii’s Largest Insurance Agency HAWAII IS NOT JUST A PLACE WE DO BUSINESS, HAWAII IS OUR HOME. All images sourced from Carle Publishing Inc. or iStock.ca unless otherwise identified. 1132 Bishop Street, Suite 1600, Honolulu, HI 96813 Tel: [phone] atlasinsurance.com Atlas Insurance Risk & Business Magazine TM is published by Carle Publishing Inc. All content, copyright © 2018, Carle Publishing Inc. All rights reserved. Risk & Business Magazine TM is a valued and recognized trademark of Carle Publishing Inc. This publication may not be reproduced, all or in part, without written consent from the publisher. Every effort has been made to ensure the accuracy of all content in this publication, however, neither the publisher nor Atlas Insurance will be held responsible for omissions or errors. Articles, reports and information contained herein reflect the views of the individuals who wrote or prepared them and do not necessarily represent the position of the publisher or Atlas Insurance. The material herein is intended for educational and informational purposes only. Nothing herein is to be considered the rendering of insurance advice for specific cases or circumstances. Communication of any legal information contained herein does not constitute an attorney-client relationship, nor convey legal advice or recommendation of any kind. Do not rely on information contained herein to replace consultation with qualified brokers, attorneys or other professionals in your jurisdiction. Please address all editorial and advertising inquiries to Carle Publishing Inc., Email: [email protected]. Carle Publishing Inc. is not held responsible for the loss, damage or any other injury to unsolicited material (including but not limited to manuscripts, artwork, photographs and advertisements). Unsolicited material must be included with a self-addressed, overnight-delivery return envelope, postage prepaid. Car