Bob Kruijsse is a Dutchman, who has been living in Poland now for almost 20 years has been in the Risk and Insurance business since 1980. During this period he has worked as Risk and Insurance Manager, as Marine and General Insurance Broker, and as a Risk and Insurance Consultant/Manager. He has extensive knowledge of Risk Management, having advised many types of corporations on risks and insurances throughout his career. For over 30 years now he has studied the various aspects of risks and how to deal with them. Thanks to this kind of approach he has developed an instinctive feeling for risks and a very practical approach to risk management. He is one of the founding members of the Polish Association of Risk Management POLRISK. He was also a founding member and Board member of the Dutch-Polish Chamber of Commerce, and has been chairman of the IGCC (International group of Chambers of Commerce in Poland). Currently he is Country Risk Manager for a large international corporation and is located in Poland.