[Verse 1] When black swans come without a warning sign Your business needs a shield that's by design Five layers strong to weather any storm From cash reserves to contracts that transform [Chorus] Build it layer by layer, make it strong Reserve, insure, alternatives along Contract and government, five layers deep Risk transfer strategy, yours to keep Layer by layer, that's the way To survive another day [Verse 2] First layer's cash and operational space Retained risk with reserves to set the pace Buy time to think when crisis hits your door Redundancy gives you a little more [Chorus] Build it layer by layer, make it strong Reserve, insure, alternatives along Contract and government, five layers deep Risk transfer strategy, yours to keep Layer by layer, that's the way To survive another day [Verse 3] Second layer's commercial coverage clean Read policy language, know what it means Exclusions, triggers, audit every year As risks evolve, keep your vision clear [Verse 4] Third layer brings alternatives in view Parametric products, captives too When markets price too high or just exclude Industry mutuals change your attitude [Chorus] Build it layer by layer, make it strong Reserve, insure, alternatives along Contract and government, five layers deep Risk transfer strategy, yours to keep Layer by layer, that's the way To survive another day [Bridge] Fourth layer spreads the risk around Suppliers, customers, common ground Don't concentrate what could be shared Contractual allocation, be prepared [Verse 5] Fifth layer's government programs ready Pre-register before the waters get unsteady Disaster relief and lending too When crisis comes, they're there for you [Chorus] Build it layer by layer, make it strong Reserve, insure, alternatives along Contract and government, five layers deep Risk transfer strategy, yours to keep Layer by layer, that's the way To survive another day [Outro] Five layers deep, your shield complete Black swan events, you'll never retreat Risk transfer built the proper way Your business lives another day
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