[Verse 1] Companies face hazards lurking every day Cyber breaches, floods, and lawsuits on the way Calculate exposure, weigh potential loss Self-insurance funds or premiums we'll cross Actuaries crunch the numbers, odds align Risk appetite determines where we draw the line [Chorus] Transfer, retain, or share the weight TRIC analysis seals your fate Transfer through contracts, retain what's small Insurance pools to catch the fall Deductibles set your retention floor Coverage limits guard your corporate door [Verse 2] Property and casualty, the basic shield Directors' errors, omissions can't yield Captive insurers, wholly owned subsidiary Alternative markets when traditional rates vary Finite risk deals blend insurance with loans Catastrophe bonds let capital clone [Chorus] Transfer, retain, or share the weight TRIC analysis seals your fate Transfer through contracts, retain what's small Insurance pools to catch the fall Deductibles set your retention floor Coverage limits guard your corporate door [Bridge] Expected losses multiply by frequency Severity models show the tendency Monte Carlo simulations run the test Value at Risk calculations suggest the rest Hold harmless clauses shift liability Indemnification secures accountability [Verse 3] Derivatives hedge the financial swings Credit default swaps on risky things Weather derivatives for seasonal bets Currency forwards prevent exchange regrets Self-insured retentions optimize the cost Excess coverage when primary's lost [Chorus] Transfer, retain, or share the weight TRIC analysis seals your fate Transfer through contracts, retain what's small Insurance pools to catch the fall Deductibles set your retention floor Coverage limits guard your corporate door [Outro] Risk management matrix guides the choice Let analytics be your trusted voice
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