riskiülekande
Riskiülekande, or risk transfer, is a risk management concept in which the financial consequences of uncertain events are shifted from one party to another, typically through contracts and financial instruments. The primary goal is to reduce the exposed party's potential losses by allocating risk to a party better able or willing to bear it.
Common mechanisms include insurance, where the insurer assumes the likelihood of specified losses in exchange for
Key considerations include the scope and limits of coverage, exclusions, deductibles, and policy limits; the alignment
Applications span construction projects (liability and performance insurance), manufacturing and product liability, cyber risk, financial markets