riskinsiirron
Riskinsiirron, known in English as risk transfer, is the practice of shifting the financial consequences and management of certain risks from one party to another. The goal is to reduce exposure, stabilize costs, or preserve capital by ensuring someone else bears the potential loss under defined conditions. Risk transfer is a core tool in risk management and can be applied across industries and activities.
Common mechanisms include insurance contracts that cover specified perils, indemnities and warranty clauses in commercial agreements,
Benefits include reduced volatility of costs, access to specialized expertise, and the ability to focus on
Implementing risk transfer is usually part of broader enterprise risk management (ERM). It involves evaluating risk