Risikovurdering

Learn blockchain in a simple, non-tech way and explore the different emerging technologies that open a world of opportunities in the space of tourism and hospitality. This book showcases examples of blockchain-based solutions implemented in different industries and connects them to use cases in hospitality and tourism (disintermediation, payments, loyalty programs, supply chain management, identity management etc.). Blockchain is one of the disruptive technologies that lays foundations for Web3.0, NFTs, Metaverse and other innovations. Despite many benefits, its adoption in the hospitality industry is very slow. Lack of awareness and connection to clear return-on-investment, coupled with many misconceptions and general perception of complexity is one of the main reasons why hospitality managers are reluctant to embark on the blockchain train.Blockchain for Hospitality and Tourism serves as a practical guide to the world of innovations, from the basics of blockchain to ¿how to start a project¿ with brief explanations of different technologies and capabilities. You'll review NFTs and Metaverse, along with current developments, tools, and platforms. After reading this book, you'll be equipped with enough knowledge to make strategic business decisions and able to discuss these topics within your organization and with vendors and suppliers in a comfortable way. As blockchain enters the next phase of its evolution, with more user-friendly interfaces and interoperability, see how it opens a world of opportunities in the space of tourism and hospitality. What You'll LearnBlockchain-based innovations ¿ cryptocurrencies and digital asset management, NFTs, Web3.0, Metaverse)Review applications of blockchain in selected industries Start a blockchain project Who This Book is ForHospitality professionals, including hotel managers and general managers, revenue management directors, operations directors, hotel IT managers, asset managers, brand strategy managers, marketing managers. Hospitality students will benefit as well. ·

Crypto is going to change the world, and for those tired of confusing financial jargon and complicated technical terminology, look no further. This book demystifies the world of cryptocurrencies and blockchain technology and explains in accessible language how it will affect your daily life. In The Quiet Crypto Revolution, Klaas Jung dives beneath the surface of Bitcoin to explore the engine that powers it - blockchain. Far surpassing the confines of cryptocurrencies, blockchain's potential for wide-ranging applications is enormous. It's crucial to understand that cryptocurrencies are merely a single manifestation of blockchain's capabilities. This book casts light on the broader spectrum of blockchain applications and the exciting future of this groundbreaking technology. With a focus on real-world applications, you'll gain a deeper understanding of the key concepts behind the innovative technology of blockchain, equipping you to make informed decisions. Whether you're a tech-savvy individual or a complete newcomer to the world of crypto and finance, this book will arm you with the knowledge and insights you need to understand the impact cryptocurrency and blockchain will have on your future.You WillLook at the future of blockchain technologyReview potential use cases for blockchain beyond cryptocurrencyStudy security strategies to avoid scams in the crypto spaceWho This Book Is ForBeginners who would like to gain a better understanding of cryptocurrency and the technology that supports it.

Unveil the power of safety culture in this thought-provoking and inspiring read that challenges the way we think about employee safety. "The Safety Investment" will leave you with a newfound appreciation for the human lives behind the hard hats and remind us all of the immense cost of neglecting their well-being. Direct and challenging, this book poses tough questions to those in management and supervision and reveals the heartbreaking realities of the families affected by workplace tragedy. It's time to face the truth that the pain, suffering, and heartache caused by accidents cannot be described in words. But it's never too late to make a change. Are you, as a CEO, CFO, COO, or executive, ready to lead the way in proactively investing in the safety of your employees? Safety must come before profits, and the reputation of your company depends on it. So, ask yourself, what is a life worth to you? It's time to make a life-changing impact on the safety culture of your workplace. Safety is an investment, not only in your employees but in your company. The choice is yours, what is a life worth, and what are you willing to accept, the consequences are life-changing. Are you ready to accept this challenge?

This book provides an overview of the role of statistics in Risk Analysis, by addressing theory, methodology and applications covering the broad scope of risk assessment in life sciences and public health, environmental science as well as in economics and finance. Experimental Design plays a key role in many of these areas, therefore there is special attention paid to joining Risk Analysis and Experimental Design topics. The contributions of this volume originate from the 8th International Conference on Risk Analysis (23-26 April, 2019, Vienna). The conference brought together researchers and practitioners working in the field of Risk Analysis. The most important contributions at the conference have been refereed and developed into chapters to show the latest developments in the field.

You Deserve To Thrive Amidst An Uncertain World!In Dental Wealth Nation you will learn: The truth about investment consulting - Page 23How to improve your cash flow and leverage tax mitigation strategies - Page 31How to protect your wealth from unjust means - Page 68How charitable gifting will actually make you money, and feel good too - Page 85The Relationship Management Formula - Page 105The Importance of Stress Testing - Page 147

This book is devoted to strengthening the theoretical and methodological basis, systematization of international experience, and scientific elaboration of prospects for developing a climate-smart economy and business as a vector of the sustainable development of Industry 4.0 in the Decade of Action.The first part of the book focuses on climate-responsible entrepreneurship in support of the sustainable development of Industry 4.0. The part systematizes best practices for climate-smart green innovations across sectors of the digital economy. The third part reveals the experience of climate risk management based on smart green innovations in regions and countries. Particular attention is paid to the best practices of the European Union (EU) and the Eurasian Economic Union (EAEU). The book ends with part four, which explores ESG climate risk management and green finance in support of combating climate change.The book¿s novelty is that it rethinks the environmental footprints of Industry 4.0 from the perspective of climate risks and their management. The theoretical significance of the book lies in the formation of an innovative concept of climate change risk management, in which the economy, society, nature, and technology are presented and interact effectively. The book is intended for scientists. In this book, they will find an innovative and systemic vision of smart green innovations in Industry 4.0 for climate change risk management.

This Element offers an accessible but technically detailed review of expected utility theory (EU), which is a model of individual decision-making under uncertainty that is central for both economics and philosophy. The Element's approach falls between the history of ideas and economic methodology. At the historical level, it reviews EU by following its conceptual evolution from its original formulation in the eighteenth century through its transformations and extensions in the mid-twentieth century to its more recent supersession by post-EU theories such as prospect theory. In reconstructing the history of EU, it focuses on the methodological issues that have accompanied its evolution, such as whether the utility function and the other components of EU correspond to actual mental entities. On many of these issues, no consensus has yet been reached, and in this Element the author offers his view on them.

Unlock the secrets of technical analysis and elevate your trading game in today's dynamic financial world. This book is essential for anyone committed to tracking and analyzing market behavior precisely and confidently.Discover the keys that will help you reach your goal of becoming a highly flexible and profitable trader. "Technical Trading Mastery - 7 Steps to Win with Logic, Second Edition" is a comprehensive guide for anyone seeking to excel in volatile and stable markets. Expertly blending timeless analysis methods are shared, and essential stock market information makes this book the foundational building block to achieve consistent profits through logical trading indicators, techniques, and psychological tactics.Drawing on over two decades of experience, author Chris Vermeulen presents his signature INNER-Market Analysis, which encompasses two strategies: momentum and swing trading. Readers will be able to copy and start using these foundational strategies the very next day. This exciting resource delves into essential topics, such as market structure, trend detection, volatility, volume, knowing when to trade, position management, and your emotions.In this updated edition, you will learn from recent examples and figures and gain an understanding of technical analysis that will excite and set you on the right path toward financial freedom.Chris Vermeulen, the founder of Technical Traders Ltd., is a renowned expert in investing for a wealthier retirement. Vermeulen also shares his industry-breaking investment style in his other book, "Asset Revesting, How To Exclusively Hold Assets Rising In Value, Profit During Bear Markets, And Continue Building Wealth In Retirement."

How might one determine if a financial institution is taking risk in a balanced and productive manner? A powerful tool to address this question is economic capital, which is a model-based measure of the amount of equity that an entity must hold to satisfactorily offset its risk-generating activities. This book, with a particular focus on the credit-risk dimension, pragmatically explores real-world economic-capital methodologies and applications. It begins with the thorny practical issues surrounding the construction of an (industrial-strength) credit-risk economic-capital model, defensibly determining its parameters, and ensuring its efficient implementation. It then broadens its gaze to examine various critical applications and extensions of economic capital; these include loan pricing, the computation of loan impairments, and stress testing. Along the way, typically working from first principles, various possible modelling choices and related concepts are examined. The end result is a useful reference for students and practitioners wishing to learn more about a centrally important financial-management device.

This book covers advanced reliability and maintainability knowledge as applied to recent engineering problems. It highlights research in the fields of reliability measures of binary and complex engineering systems, cost analysis, simulations, optimizations, risk factors, and sensitivity analysis. The book scrutinizes various advanced tools and techniques, methodology, and concepts to solve the various engineering problems related to reliability and maintainability of the industrial system at minimum cost and maximum profit. It consists of 15 chapters and offers a platform to researchers, academicians, professionals and scientists to enhance their knowledge and understanding the concept of reliability in engineering.

Credit Score: The Ultimate Guide on How to Legally Improve Your Credit Score, Discover All the Powerful Tips and Methods on Improving Your Credit ScoreThere have been many misconceptions about credit scores. Some people don't pay attention to it because they don't think it matters but credit scores actually impact a lot in your life. Businesses and even future employers can check your credit score to assess if you are someone who is responsible when it comes to paying your bills. It affects interest rates when you're applying for loans and it also affects your viability when looking for apartments. Some people think they can pay "experts" to repair or boost their credit scores but you can actually do so by yourself. This book will tell you everything you need to know about credit scores. You wil learn what a credit score and credit report are as well as other key financial terms. You will discover how to develop a credit repair plan that is tailored specifically to your financial situation. You will learn effective techniques and strategies on how you can build financial habits that will help you keep a high credit risk rating.This book will discuss the following topics:Best Way to Boost Your Credit ScoreKeep Your Credit Score SafeAvoid Common Credit Score MistakesDealing With Your Credit Report to Deal With Your Credit ScoreDealing With a Credit Score After a Big ProblemDealing With Professional Credit HelpGeneral Good Financial Habits Build Good Credit ScoresDevelop an Organized Strategy to Repair Your Credit ScoreLoans and Your Credit ScoreStudent Credit RepairDealing With DebtCredit Repair and Your EmotionsYou don't need to pay so-called experts to fix your credit score. You can develop your own plan to repair your credit and this is the most effective way of dealing with bad credit.If you want to learn more on how you can develop your very own credit repair plan, scroll up and click "add to cart" now.

This is a revision and study guide for the ACCA Audit and Assurance subject. Please note that this is not an official ACCA publication or authorized book. The guide is intended for students who wish to revise using a reference book only.The material in this guide has been written by myself based on my own research, and the ACCA syllabus has been used as a guide to ensure that the book covers all aspects relevant to the syllabus guidelines.The guide provides comprehensive coverage of all syllabus areas for the ACCA Audit and Assurance subject, and is designed to help students revise and prepare for their exams.This comprehensive audit book is intended to be a useful resource for potential readers interested in gaining knowledge in the areas of auditing and assurance engagements. The book covers a variety of essential topics such as auditing standards and certification, audit regulations, and audit risk response. It also delves into the importance of corporate governance, professional ethics, and internal control and risk management.In addition, the book provides readers with practical guidance on conducting various types of assurance engagements, including external audits, review engagements, and non-profit organizations' audits. It also discusses different auditing procedures and techniques, with a focus on substantive procedures, analytical procedures, and audit sampling.The book is structured in a logical and easy-to-follow manner, with each chapter building on the previous one. It covers both theoretical and practical aspects of auditing and is intended to appeal to a broad audience, including auditing professionals, students, and anyone interested in gaining knowledge about auditing and assurance engagements.

In this book, a risk management approach starts off by discussing important issues related to managing supply chain disruption risks from various perspectives during VUCA times. It explores the essence and principles relating to managing these risks and provides the framework and multi-goal model groups for managing such unknown-unknown risks and subsequent disruptions at a global scale.The book explores and presents the latest developments across different emerging topics in supply chain risk and disruption management. These include (i) an overview of supply chain risk, and disruption management tools, techniques, and approaches, (ii) a review on uncertainty modeling for decentralized supply chain systems, (iii) supply chain deep uncertainties and risks - the 'new normal', (iv) emergent technologies for supply chain risk and disruption management, (v) supply chain resilience strategies for times of unprecedented uncertainty, (vi) the role of blockchain in developing supply chain resilience against disruptions, (vii) a qualitative study on supply chain risk management adopting blockchain technology, (viii) assessment of risks and risk management for agriculture supply chain, (ix) resilience of agri-food supply chains: Australian developments after a decade of supply and demand shocks, (x) prioritization of risks in the pharmaceutical supply chains (xi) improving medical supply chain disruption management with the blockchain technology, and (xii) impacts of resilience practices on supply chain sustainability.The book contributes significantly to the growing body of knowledge concerning the theory and practice of managing supply chain risks and disruptions in strategic management, operations and supply chain, and sustainability literature. It presents contemporary, innovative and latest developments in applying smart management tools, techniques and approaches for managing supply chain risk and disruption and future-proofing supply chains to become agile, resilient and sustainable.

You Deserve To Thrive Amidst An Uncertain World!In Dental Wealth Nation you will learn:The truth about investment consulting - Page 23How to improve your cash flow and leverage tax mitigation strategies - Page 31How to protect your wealth from unjust means - Page 68How charitable gifting will actually make you money, and feel good too - Page 85The Relationship Management Formula - Page 105The Importance of Stress Testing - Page 147

Die Bedeutung politischer Risiken in Industrieländern nimmt zu. In jüngerer Vergangenheit dominieren geopolitische Risiken, die fundamentale Ausmaße annehmen und den Bestand des Unternehmens, ganzer Branchen oder sogar Volkswirtschaften gefährden können. Ebenso treiben zunehmende Regelungsdichte und Staatsverschuldungen die politischen Risiken. Das Buch stellt einen praxiserprobten Ansatz zur Identifizierung und zum proaktiven Management politischer Risiken in Unternehmen vor. Neben Risikovermeidung und Risikoreduktion kann dieser Ansatz Unternehmen helfen, Wettbewerbsvorteile im Umgang mit diesen Risiken auszubauen. Ein besonderer Fokus des Buchs liegt auf politische Risiken in Industrieländern. Wie die vorgestellten Werkzeuge im eigenen Unternehmen zum Einsatz kommen können, zeigen anschaulich drei fiktive Unternehmen, ein Chemiekonzern, ein Stromerzeuger und ein Rohstoffhändler, die den Leser durch das gesamte Buch begleiten.

This book comprises the selected proceedings of the 3rd International Workshop on Natural Hazards (NATHAZ¿22), Angra do Heroísmo, Terceira Island, Azores, 2022. The book interests all researchers and practitioners in Earth Sciences, Volcanic Risks, Natural Hazards, Geoethics, Environmental Sciences and Engineering.Terceira is a volcanic island with volcanic systems with caldera (Cinco Picos, Guilherme Moniz, Santa Bárbara and Pico Alto central volcanoes) and an active fissural zone defined by various alignments of small volcanic cones, lava domes and fault zones. The agricultural landscape, the natural and forest reserve, as well as the natural pools make the island a unique place to visit. The historic downtown of Angra do Heroísmo is a UNESCO world heritage, and several iconic buildings witness the island¿s geodynamic history.Natural hazards result from a threat of a naturally occurring event that will have a negative effect on humans. That damaging effect is often called natural disasters. Among the natural hazards and potential disasters to be considered are: earthquakes, volcanic eruptions, landslides, subsidence, floods, droughts and coastal erosion. In addition, anthropogenic hazards occur as a result of human interaction with the environment. They comprise technological risks due to exposure to hazardous substances in the environment.Natural systems in different frameworks require a comprehensive understanding of climatology, geology, hydrology and volcanic data, processes and dynamics. Thus, it is important to perform hazard and risk assessment studies to accomplish hazard mitigation. In addition, it highlighted the role of variability and climate change in Earth systems. Furthermore, an accurate understanding of the natural systems and interactions with engineering, geodiversity and natural resources is vital to the entire socioeconomic sector.This book is expected to offer an overview of natural hazards in model regions in Europe, America, Asia and the Atlantic islands. It gives new insights into the characterization, assessment, protection, and modelling of geological hazards, volcanic systems, urban areas, coastal zones and engineering approaches by international researchers and professionals. The scientific committee comprises lead geoscientists, natural hazards related practitioners, and academics worldwide.The main topics include: 1. Multi-hazards and risks: sustainable society, disasters and geoethics 2. Natural hazards and assessment: rock falls, landslides, urban planning and management 3. Sustainable Earth systems: hazards and climate change 4. Terceira Island geology and geodiversity: meeting volcanological hazards in the Azores

This book is in honor of Yasuhiko Takahara, a first-class researcher who has been active for some 50 years at the global level in systems research. Researchers and practitioners from Japan and other countries who have been influenced by Takahara have come together from far and wide to contribute their major research masterpieces in the field of systems research in the broadest sense.While the roots of Takahara's systems research are in general systems theory and systems control theory, he developed his research and teaching in diverse directions such as management information science, engineering, social simulation, and systems thinking. As a result, many of the researchers and practitioners he supervised or influenced have established their own positions and are now active around the world in a wide range of systems research.Volume I is a collection of their masterpieces or representative works in the field of systems theory and modeling.

The textbook discusses risk management in capital markets and presents various techniques of portfolio optimization. Special attention is given to risk measurement and credit risk management. Furthermore, the author discusses optimal investment problems and presents various examples. In the last section, the book includes numerous case studies based on the author¿s own work as a fund manager, court-appointed expert and consultant in the field of quantitative finance. This book is the third volume of the quantitative finance trilogy by the author and builds on the theoretical groundwork introduced in the previous books. The volume presents real-life examples of the successful application of the introduced techniques and methods in financial services and capital markets.

Dieses Fachbuch stellt einen Ansatz zur Beurteilung und Sicherstellung tragfähiger Finanzierungskonditionen und ausreichender Finanzmittel (Transformationsfinanzierung) bei Unternehmenstransformationen vor. Folgende Fragestellungen werden im Rahmen der Konzeptionierung eines Transformation Ratings zur systematischen Beurteilung der Bonität und Finanzierungsmöglichkeiten von Unternehmen sowohl fachlich fundiert als auch stets im Hinblick auf den praktischen Mehrwert beantwortet: Welche Auswirkungen kann eine Transformation auf das Risiko-Rendite-Profil von Unternehmen haben? Wie lassen sich aus einem konkreten Transformationsvorhaben Rückschlüsse auf die Möglichkeiten und Konditionen einer Kreditfinanzierung ziehen? Und welche strategischen Gestaltungsmöglichkeiten kann ein Unternehmen nutzen, um eine nachhaltige und günstige Transformationsfinanzierung sicherzustellen? Anhand eines Praxisbeispiels wird verdeutlicht, wie sich das entwickelte Transformation Rating sowie Transformation-Rating-Advisory umsetzen lassen und welche Gestaltungsmöglichkeiten sich für Unternehmen ergeben.Das Buch richtet sich an Führungskräfte und Financial Professionals in Unternehmen sowie Firmenkundenberater:innen und Kreditrisikomanager:innen in Banken, die sich für die möglichen Auswirkungen von Transformationsvorhaben auf die Bonitätseinstufungen und Finanzierungsmöglichkeiten von Unternehmen interessieren.Der InhaltWozu Transformationsfinanzierung? ¿ der Zusammenhang zwischen Unternehmenstransformation, Finanzierung, Bonitätseinschätzung (Rating) und Bonitätsgestaltung (Rating Advisory)Transformation Rating als Erweiterung der klassischen Kredit-Ratingsysteme Transformation-Rating-Advisory zur strategischen Analyse und Verbesserung unternehmensspezifischer Finanzierungskonditionen

Anhand von mehr als 50 bearbeiteten Angriffen auf deutsche Firmen erörtern die Autoren das technische Vorgehen von Ransomwaregruppen, die richtige Reaktion im Krisenfall und die Möglichkeiten zur Prävention. Illustriert durch zahlreiche Screenshots von Erpresserschreiben, Darknetseiten & Verhandlungschats. Mit Gastbeiträgen von N. Weyerstall, Dr. Malek und C. Kurtz sowie von betroffenen Unternehmen.Dieses Buch ist mehr als nur eine Notfallanleitung für den eingetretenen Krisenfall. Um die eigene Verteidigung zu planen, lohnt es sich, den Ernstfall gedanklich durchzuspielen.

Dieses Buch bietet eine komprimierte und praxisorientierte Einführung in die Grundlagen und Anforderungen eines Compliance-Managements, um den Leser schnell mit aktuellen und zentralen Regelungen vertraut zu machen. Dabei wird auf gesetzliche und regulatorische Bestimmungen ebenso eingegangen wie auf betriebswirtschaftliche Notwendigkeiten, um Mitarbeitende und Unternehmen vor den schwerwiegenden Folgen von Compliance-Verstößen zu schützen.

This textbook offers an easily understandable introduction to the fundamental concepts of financial mathematics and financial engineering. The author presents and discusses the basic concepts of financial engineering and illustrates how to trade and to analyze financial products with numerous examples. Special attention is given to the valuation of basic financial derivatives. In the final section of the book, the author introduces the Wiener Stock Price Model and the basic principles of Black-Scholes theory. The book¿s aim is to introduce readers to the basic techniques of modern financial mathematics in a way that is intuitive and easy to follow, and to provide financial mathematicians with insights into practical requirements when applying financial mathematical techniques in the real world.

This textbook provides the necessary techniques from financial mathematics and stochastic analysis for the valuation of more complex financial products and strategies. The author discusses how to make use of mathematical methods to analyse volatilities in capital markets. Furthermore, he illustrates how to apply and extend the Black-Scholes theory to several fields in finance. In the final section of the book, the author introduces the readers to the fundamentals of stochastic analysis and presents examples of applications. This book builds on the previous volume of the author¿s trilogy on quantitative finance. The aim of the second volume is to present and discuss more complex and advanced techniques of modern financial mathematics in a way that is intuitive and easy to follow. As in the previous volume, the author provides financial mathematicians with insights into practical requirements when applying financial mathematical techniques in the real world.

In diesem Buch werden Konzepte zur Quantifizierung von Marktrisiken dargestellt. Im Rahmen der im ersten Kapitel vorgestellten Portfoliotheorie werden Kapitalanlagen charakterisiert, die nach Vorgabe eines Risikos eine möglichst hohe erwartete Rendite versprechen. Risiko wird hier definiert als die Standardabweichung der Portfoliorendite. Für arbitragefreie Ein-Perioden-Modelle lassen sich optimale Kapitalanlagen alternativ auch mithilfe von Wahrscheinlichkeitsdichten formulieren, was im zweiten Kapitel ausgeführt wird. Im dritten Kapitel wird das Risikomaß Value at Risk vorgestellt, das denjenigen Verlust eines Portfolios quantifiziert, der mit einer vorgegebenen Wahrscheinlichkeit übertroffen wird. Der Value at Risk ist unempfindlich gegenüber der Verteilung der hohen Verluste und er ist nicht subadditiv. Die Formulierung von Eigenschaften, die ein gutes Risikomaß haben sollte, führt zum Konzept der kohärenten Risikomaße, die im vierten Kapitel zusammen mit ihrem wichtigsten Vertreter, dem Expected Shortfall, vorgestellt werden.Am Ende jedes Kapitels finden Sie ¿ neben passenden Übungsaufgaben ¿ einen Abschnitt Das Wichtigste im Überblick, in dem die wesentlichen Begriffsbildungen, Konzepte und Resultate des jeweiligen Kapitels in knapper Form zusammengestellt wurden. Zu allen Übungsaufgaben werden vollständige Musterlösungen angeboten. Darüber hinaus steht Ihnen auf YouTube eine Playlist mit Lehrvideos zur Verfügung.Für die zweite Auflage wurde der Text an zahlreichen Stellen im Detail verbessert und es wurden neue Übungsaufgaben aufgenommen. Darüber hinaus wurde der Text um einen Abschnitt zu univariat und multivariat normalverteilten Zufallsvariablen ergänzt.

ALL THE INFORMATION YOU NEED TO MAKE BETTER-INFORMED INSURANCE DECISIONS TO PROTECT YOUR REAL ESTATE INVESTMENT PORTFOLIOIf reading the word "insurance" is as soothing to you as watching someone chew Styrofoam, don't walk away. Trust me, this is the book for you.Shawn Woedl's sharp wit and good nature shines as he shares the practical (and sometimes comical) side of insuring real estate investments. Whether you own a portfolio of thousands of properties or are merely toying with the idea of getting a little place to fix up and rent out, getting the right insurance is crucial.But how does an investor know when they have the right policy for their specific circumstances?This deeply helpful book provides the information you actually want (and need) to know about how to ensure adequate coverage for your assets, according to your investment goals. Lighthearted, historical, and philosophical, Woedl has a genuine desire to help people avoid the common (and not so common) traps and missteps investors fall into when choosing an insurance plan. Whether you want to finally figure out what the word "subrogation" means, you want to control costs without putting yourself at risk, or you want to learn what questions to ask a new insurance broker, Innovative Insurance can help.