riskiosuus
Riskiosuus is the portion of risk or potential loss that a party agrees to bear in a risk-sharing arrangement. It describes the share of exposure that remains with an individual, firm, or institution after risk transfer mechanisms such as insurance, reinsurance, or contractual risk sharing have been applied. The term is commonly used in Finnish contexts to refer to the amount or percentage of losses that a participant is responsible for, rather than the portion covered by a third party.
In insurance and reinsurance, riskiosuus often appears as either a fixed deductible or a coinsurance percentage.
Beyond insurance, riskiosuus is also used in finance and contracts to describe the portion of risk retained