[Verse 1] When catastrophe strikes without warning bells Your business needs armor that rebels Against the unexpected tsunami wave Five layers deep will keep you brave First layer cash reserves and backup plans Absorb the shock with steady hands Operational redundancy buys you time To think and act while chaos climbs [Chorus] Layer by layer, transfer the weight Five shields protecting your corporate fate Retain, insure, alternative schemes Contract allocation, government dreams Black swan events won't sink your ship When risk transfer has the proper grip [Verse 2] Second layer commercial policies shine Read every clause and dotted line Exclusions hide where devils dwell Annual audits serve you well Coverage triggers need precision Don't let fine print cloud your vision Traditional insurance forms your core But won't handle what's in store [Chorus] Layer by layer, transfer the weight Five shields protecting your corporate fate Retain, insure, alternative schemes Contract allocation, government dreams Black swan events won't sink your ship When risk transfer has the proper grip [Verse 3] Third layer thinks outside the box Parametric products pick the locks On risks too strange for standard rates Captives and mutuals seal the gates Industry pools share the burden wide When commercial markets run and hide Alternative mechanisms bridge the gap Between exposure and safety's lap [Bridge] Fourth layer spreads through every deal Suppliers, customers, landlords feel The allocated weight of catastrophe Don't concentrate what should run free Fifth layer government programs wait Pre-register before it's too late Disaster relief and credit lines Emergency lending realigns [Chorus] Layer by layer, transfer the weight Five shields protecting your corporate fate Retain, insure, alternative schemes Contract allocation, government dreams Black swan events won't sink your ship When risk transfer has the proper grip [Outro] Five layers strong, five layers true Black swan planning sees you through Transfer the risk, layer by layer Your business survives when others despair
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