DeshCap

03/24/2022

Learn about Liability Risk.

Liability Risk types, examples, definitions, insurance, its link to Credit Risk and other risks. Learn about Liability Risk Management including Assessment.

01/11/2022

As a leading tech driven risk advisor in Canada with int’l presence independent of brokers and insurers, we have been triggering commercial insurance for our clients before and during covid for all sorts of risks: physical, financial, and cyber risks. Businesses that got payouts had better margins and a solid back to take advantage of the post covid recovery, translating to higher valuations and returns to investors.

06/24/2021

This Covid curve does not show a good story. Audit your insurance by experts independent of brokers/insurers to avoid disappointment: https://www.deshretcapital.com/audit-request

A special thanks goes out to University of Pennsylvania Carey Law School and University of Connecticut School of Law for compiling the data, which helps fuel the information revolution within (a domain that is rarely taught well if at all, which as a result causes bad habits throughout organizations around the world).

06/04/2021

Business interruption insurance: highly important to investors incl. lenders yet part of the biggest insurance failure in modern history.

A comprehensive summary of business interruption risk, how it can be insured correctly, and how it impacts investment and credit risks.

What buyers of insurance, at SMEs and large corporates, missed.

For intermediate to advanced level readers.

Insurance for business interruption risks is complex and often misunderstood. The insurance barely paid out during Covid19 providing proof thereof.

05/21/2021

Ask your broker to audit your business insurance by risk experts independent of insurance brokers/companies. Our AI based audit tool is also available to management, lawyers, and accountants: https://www.deshretcapital.com/audit-request

Covid is evidence that the traditional way of buying insurance is flawed and does not benefit a business nor its investors and stakeholders.

The business can keep their broker and insurer but the insurance contract must be reworded or managed to reflect the operational risk data of the business.

There is no point of buying business insurance if the business ends up going to court to enforce coverage, let alone getting appealed then losing the case. In the instance of Covid, this impacted the livelihood of numerous businesses and their employees.

05/13/2021

**Intermediate level reading** How investors can protect themselves from fraud risk using an investee's Fidelity Bond, a type of fraud insurance including for employee fraud. We thought it was a good time to remind Executives and Investors, in light of the recently alleged fraud scandal of Bridging Finance in Canada, that it should be a top priority to have the Fidelity Bond of an investee audited by risk experts independent of any insurance broker or company.

The Fidelity Bond has to be reworded to pay out to investors in the event of specific and relevant fraud risk scenarios. This is a much better and faster solution for investors instead of them going through the motions of launching lawsuits against their investee after a fraud event occurs.

Financial Institutions including Asset Managers are required by regulators to purchase a Fidelity Bond however while it does check the regulatory box, it does little to protect investors from fraud.

What is Fidelity Bond and how it is a top priority for investors to use for protection against fraud risk factors from investees including asset managers.

12/28/2018

https://youtu.be/Amg7kkLAb_0

A summary of various risks that materialized in 2018.

05/22/2018

https://www.youtube.com/watch?v=yfp9_SB9gjw

In and around 1896, Westinghouse signed a patent-sharing agreement with J.P. Morgan. Would George Westinghouse have given in to J.P. Morgan if back then there was a market for ? We don't think so.

This clip shows us just how important it is for a business to carry liability insurance paying out effectively in the event of a lawsuit even if the business deems not to be at fault since defence costs alone can have a crippling effect on a company's finances.

In the clip, George Westinghouse is portrayed as handing over the rights to his company's patents to J.P. Morgan for fear of a J.P. Morgan lawsuit. But his decision could have been very different if he had an insurance company paying his defence costs and all other legal bills!

HISTORY tells us that any company has to protect its assets correctly, including intangibles such as patents, along with protecting its investors and its Directors and Officers. That is very possible by (re)structuring such as D&O, Professional Indemnity , Patent Insurance, etc.

DO NOT purchase off-the-shelf insurance, instead have it (re)structured for effective protection all while boosting competitiveness. Simply outcompete while protecting investors - Deshret Capital

A clip from the Documentary 'The Men Who Built America', which was originally broadcast on the History Channel in the Fall of 2012. This clip, which is used ...