Risk management means taking a broader view of business risks and the approaches to resolving them than a basic mix of 'she'll be right' and a bit of insurance. Making a business more resilient does cost money, but can have other benefits too: and help manage threats from competitors as well as earthquakes, fires, and floods. This is worth a read - link.
Forbes has this excellent review of HelloWallet, a Fintech solution for employers keen to help their staff with financial well-being. This application works by education and reminders - Forbes uses the term 'nagging' - to help staff increase their savings rates. Link. HelloWallet is a subsidiary of Morningstar Inc.