[Verse 1] When cyber hackers breach your fortress walls And servers crash while reputation falls Don't panic when the black swan lands Five layers wait at your command First retention threshold, set your floor Ten thousand dollars, maybe more Self-insure the smaller hits you'll take Before external help you make [Chorus] Layer one, retain what you can bear Layer two, captive insurance there Layer three, traditional coverage Layer four, catastrophe advantage Layer five, contingent capital flows Five shields when the black swan blows Cascade triggers, costs align Transfer risk by grand design [Verse 2] Captive company in Bermuda bay Lower premiums come your way Management fees you understand But coverage crafted by your hand When losses hit one hundred kay Traditional insurers join the fray Cyber liability takes the stage Three million limit, reasonable wage [Chorus] Layer one, retain what you can bear Layer two, captive insurance there Layer three, traditional coverage Layer four, catastrophe advantage Layer five, contingent capital flows Five shields when the black swan blows Cascade triggers, costs align Transfer risk by grand design [Bridge] Catastrophe bonds at layer four When damages reach ten million or more Investors bet against your pain Expensive but the capital gain Contingent credit lines prepared When liquidity leaves you scared Two percent fee, but peace of mind When black swans of the rarest kind [Verse 3] Decision trees and trigger points Keep all five layers in their joints Board approval, legal review Quarterly testing, nothing new Implementation takes twelve months Broker networks, regulatory hunts But when disaster strikes your door Five layers guard what you adore [Outro] Stack your shields from ground to sky Let the black swan wonder why Your business stands when others fall Five-layer fortress guards it all
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