How to insure a client with diversified portfolio, but the majority of their operation is high risk?

There is need to minimize the clients costs internally first before engaging the insurer. This can be done by applying various risk analysis and assessment methods to the various portfolios, identify and implement the most effective risk management method applicable to the diversified portfolio in an effort to minimize the cost of high insurance costs for the client.

First of all go through proper risk assessment details. Identify significant risks and than mitigate the same with appropriate risk management strategies like underwriting, third party insurance, warranties and guarantees.

First and foremost, a risk analysis is pertinent before developing a risk management strategy to mitigate any upcoming risk issues that may arise.

Of course by underwriting assessment and risk study and evaluation you can insure any risk and charges or impose  the fair rate , conditions and warranties and you can definitely issue the insurance policy according to the said assessment and evaluation and here also I remind you to have utmost benefit from reinsurance coverage to protect yourself or company from such hazardous business or risks.

Best wishes   

By Risk and Strategy analysis, by KYC, knowing if they are PEPs or no, by checking their financial history

• Need of the client is to be met at any cost and complete portfolio has to be prudently insured against the identified risks.
• In this case, since the majority of operational risk is high, we will study the risk, analyze and suggest risk minimization methods and techniques to be in place.
• This is to share the fair amount of responsibility between the Client and Insurer.
• Suggested risk minimization methods when implemented or put in place, gives an Insurer the comfort and confidence to take charge of High risk operations.
• Thus, there will be prevention of risk and assurance of cover to strengthen clients business.

By convincing the client to downsize his risk by replacing high risk no profitable shares by high rated coupon payment bond or other risk free means , any other negative correlated security that will make the portfolio well diversified to elimnate all the systmetic risk

Business is Take a Risk. How to minimize the risk, Knowing the problem well, Analyze, Take the advantages

Risk Analysis is to identifying and assessing factors that could negatively affect the success of a business or project. It allows you to examine the risks that you or your organization face, and helps you decide whether or not to move forward with a decision.

You do a Risk Analysis by identify threats, and estimating the likelihood of those threats being realized.

Once you've worked out the value of the risks you face, you can start looking at ways to manage them effectively. This may include choosing to avoid the risk, sharing it, or accepting it while reducing its impact.

It's essential that you're thorough when you're working through your Risk Analysis, and that you're aware of all of the possible impacts of the risks revealed. This includes being mindful of costs, ethics, and people's safety.

• First of all study and analysis of the risk factors involved.
• then try to minimize the risk effects risk tools.
• after analysis and implementation of risk minimization tools select the best portfolio accordingly.

Based on historical data available with the client, try to build a predictive model. Those portfolio having higher probability of risk should be capped with higher interest. We need to assess if mitigating the risk is costlier or letting it to be as it is.