Anna Borenstein, is an entrepreneur who is specialized in real estate investments in North Carolina and South Carolina. Most of her investments are single family houses. Anna has one property manager, Jim to find tenants and maintain these houses. Currently, Jim is her only employee. Anna has a CPA that deals with her accounting and taxes but she only pays the CPA on transaction basis. In 2019, Hurricane Dorian hit South Carolina and caused damages to many households. Although Anna’s properties were not affected by this disaster, she would like to reevaluate her risk exposures and the plans to manage the risks. Anna is talking to you about her investments and wonder if you may have suggestions to protect her from the risks.

1. Please evaluate if Anna should put all the properties under a company name or should keep all her investments under her personal name. What type of company would you suggest her to take and why? 
2. Can you please identify the risks that Anna may potentially have as a business? For each type of risk, please evaluate the frequency and severity of the risk. Given your analysis above, can you please recommend the appropriate risk handling techniques, i.e., loss transfer, loss reduction and etc.? If possible, please give specific examples to support your arguments. 
3. What would you suggest Anna do to deal with the natural disaster?