Risk management and horsemanship may seem worlds apart, yet both rely on the same principles: awareness, preparation, and trust. Horses are highly attuned to subtle changes in their environment and respond quickly to uncertainty or inconsistency. Risk managers operate in a similar space, constantly scanning for signals, anticipating disruption, creating stability, and responding quickly to issues. In both areas, success rarely comes from reacting after a problem appears. It comes from paying attention early and making thoughtful decisions before risk turns into consequence.
My first experience as a solo horse owner taught me more about leadership than I expected.
I used to believe that being clear, direct, and “right” was enough. In leadership and risk management, clarity matters. Standards matter. Accountability matters. But I’ve learned through both leading teams and working with my horses that it’s not the correction itself that builds or breaks trust.
It’s the energy behind it.
Out at the barn, my horses don’t care about my role or responsibilities. They meet me exactly where I am. If I show up distracted or frustrated, they feel it immediately. And if I try to correct them without first checking myself, they don’t just resist, they disconnect.
There have been moments in which I’m not proud. Times I’ve asked for something with more urgency than clarity. I may have gotten the behavior I wanted, but I could feel the shift. The brace. The hesitation. The loss of trust. My horses reflect not what I say, but how I show up. And a braced horse is a dangerous risk. One that is less aware, less connected, and more likely to react.
I’ve come to see leadership the same way.
In the workplace, we rely on feedback, performance management, and controls to mitigate risk. But if people don’t feel safe, they don’t speak up. And when information is withheld, risk doesn’t disappear; it quietly multiplies. What looks like alignment on the surface can actually be hesitation beneath the surface.
That realization forced me to look inward.
Boundaries are essential in every space with horses, leadership, and risk management. They create clarity and consistency. But when boundaries are delivered from frustration, fear, or control, they stop protecting the system and rather serve a selfish purpose. And demand without trust leads to defiant compliance at best and silence at worst.
I’ve seen it in myself—moments where my correction was technically right, but relationally off. I solved the issue, but created a different kind of risk, leading to disengagement, hesitation, or reluctance to speak up.
True risk management isn’t just about processes and controls. It’s about creating an environment where risks can be seen and shared early. And that requires emotional accountability.
It requires me to pause before I respond. To set boundaries with clarity, not control. To say, “This doesn’t work,” without escalating energy. And just as importantly, to receive pushback or a “no” without taking it personally, because that’s often where the most valuable insight lives.
My horses remind me of this every day. When one of them resists, it’s not defiance; it's their way of communicating information. If I listen, the moment softens and the connection returns. If I push through, I may win in the moment, but I lose the relationship. And without the relationship, everything becomes harder, riskier, and potentially dangerous.
The same is true in risk management and leadership. The most powerful risk management strategy isn’t found in a manual; it’s found in the quiet, consistent leadership that keeps people aligned and moving forward.
Melissa Steger
Executive Vice President, WorkCompCollege.com
Melissa Steger is the Executive VP of Business Development and partner of WorkCompCollege.com. Prior to this role, Melissa supported WorkCompCollege.com on the Board of Trustees and Dean for the School of Humanities, while also being a member of the faculty.
Melissa retired after 30 years of workers’ compensation experience gained from the public, private, and regulatory sectors. Her career consisted of building and leading expansive programs, managing large teams, and presenting before audiences across the country and internationally. She ended her career as the Associate Director of Workers’ Compensation for The University of Texas System, where she administered the self-insured workers’ compensation and unemployment programs, providing coverage for over 140,000 employees of the academic and health institutions across the state.
Melissa served on the Texas and national boards for PRIMA and held the national presidency in 2021-2022. She received the Texas PRIMA Risk Professional of the Year award, a Servant Heart Award, and the PRIMA Chapter Service Award.
She presently serves as a director for the Kids’ Chance of Texas and is the owner of Melissa Steger Enterprises, where she offers consulting services that blend horsemanship principles into leadership and claims education, offering a fresh perspective on trust, communication, and accountability.
She holds a BS in Interdisciplinary Studies and a Master's of Public Administration.
