Development Hammer Innovation Insurance 
Harvard Business Review
SEPTEMBER 16, 2014
Take micro insurance: If I allow a small-hold farmer to insure their crop, it means in the first year they can actually have less volatility around the outcome. They can put more of their assets to work because they don’t need to self-insure. Which in turn means they actually can run bigger farms, pay bigger insurance premiums.
Harvard Business Review
MARCH 7, 2011
In addition to laying out an approach for making one-time improvements, Reengineering's high priest (the late Michael Hammer) had advice for organizations wanting to sustain improvement. What's more, the company helped develop Hammer's PEMM concept and is now training Lean managers.
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