Which of the following represents a proactive approach in managing risk exposures?

The choice of regular safety audits and training programs represents a proactive approach in managing risk exposures because it emphasizes prevention and preparedness. By conducting safety audits, an organization can identify potential hazards before they lead to incidents. Training programs equip employees with the knowledge and skills necessary to recognize and mitigate risks as they arise. This proactive strategy not only helps in reducing the likelihood of accidents and claims but also fosters a culture of safety within the organization, ultimately lowering risk exposures over time.

A proactive approach focuses on anticipating and reducing potential problems before they occur rather than simply reacting after an incident has happened. Other options, such as increasing policy limits or setting higher deductibles, tend to be reactive strategies that modify coverage after identifying a potential risk rather than preventing the risk itself. Minimizing the number of active policies may streamline management but does not inherently address underlying risks or apply preventive measures. As such, the proactive choice of regular safety audits and training aligns best with effective risk management practices, emphasizing prevention, education, and consistent monitoring of safety conditions.