Article: Hardy boy grows into team player: ultimately, self-insurance would prove to be successful and would imbue Joe Hardy, director of risk management and insurance of Hudson's Bay Co., with the importance of working with strong partners.

Joe Hardy, director of risk management and insurance for Hudson's Bay Company, the largest retailer in Canada, admits he bears little physical resemblance to rugged 17th century adventurer Henry Hudson. While Hudson's retail business, like Hardy's, involved the calculation of risk, the arctic explorer is mostly famous for having hugely miscalculated the weather as he steered his tiny ship into the northern Canadian bay that today bears his name--and for misreading the character of his crew. Stranded in ice, Hudson's men mutinied, set him and his young son adrift in a boat so that they were never seen again. The lesson to be learned from this, Hardy will tell you ...

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