Risk sharing without costs 30%, taxes 20% and profits 10%
So at least with
60% lower Premiums


RiskShare is the world's first and only true peer-to-peer (P2P) risk sharing platform. On this platform, participants only pay premiums for each other's claims without the intervention of an insurer or reinsurer, resulting in a savings of 30% in costs, 20% in taxes, and 10% in profits. As a result, premiums are at least 60% lower than with traditional insurance. Participants pay only a monthly variable premium. No payments and refunds before and after. RiskShare means the sharing of claims paid per day, by the new and renewing participants on that day. Despite its similarities to a traditional insurer, RiskShare is an online network without a legal status, and thus has no expensive buildings, directors, or staff, resulting in a lack of bureaucracy. RiskShare offers coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents. RiskShare tagline: 'Risk ends where RiskShare begins'


The premium volume in the insurance industry amounts yearly to no less than 7000 billion euros worldwide. Many times larger than the cab industry (200 billion) and the hotel industry (1000 billion) in which Uber and Airbnb disruptively excel. This makes it remarkable that disruption has so far remained absent from the insurance sector. That's why there is now 'RiskShare'. A P2P risk sharing platform with mutually agreed terms and at least 60% lower premiums advised and managed by independent advisors. Every person and every family all over the world needs protection from financial risk. RiskShare puts P2P risk sharing at your fingertips anywhere in the world with nothing more than smartphone and internet. RiskShare will become bigger, more agile and more profitable than Uber and Airbnb with the right man or woman at the top.



But Car Drivers But Home Owners But Risk Advisors
For Ride Sharing

For Room Sharing

For Risk Sharing
Aside from Passengers Along with Vacationers Among the Participants
At 40% Discount At 50% Discount At 60% Discount

Via the "Uber" Platform

Via the "Airbnb" Platform Via the "RiskShare" Platform
All over the World All over the World All over the World


Risk sharing is advised and managed by independent financial, tax, legal and medical (Deloitte) advisors. The advisors build their own client base through subscriptions and determine the amount of the subscriptions themselves (e.g. €50,00 p.m.). They are the first and only point of contact for advice and claims and thus client responsible. Advisors represent not only the interests of their individual clients through prompt claims settlement, but also the interests of all their clients for low premiums through fair claims settlement. By doing so, the advisors are the equivalent of the front and back office of a traditional insurer. All this makes RiskShare highly digital and highly personal. In addition, they are the key marketing drivers. The RiskShare advisors partnership sets the requirements and conditions for the entry of new advisors and experts and the forced exit of non-performing advisors and experts.


  • Billions of people worldwide want to switch to 60% lower insurance premiums
  • Millions of advisors worldwide want an advice income up to €90,000 per year
  • RiskShare forms a decentral ecosystem of holacracy, so without bureaucracy
  • RiskShare is a network without status, so no laws, regulations and licenses apply


RiskShare consists of 3 authority-free entities that are legally independent but economically inseparable. In this way, RiskShare forms a decentralized ecosystem of holacracy without bureaucracy. Holacracy not as a goal but as a logical consequence of the business model.

'RiskShare Network' is a peer-to-peer entity that connects participants, allowing them to share risks and resources. By collectively managing risks, participants can reduce individual exposure and establish a sustainable risk management system.

'RiskShare Advisors' offer guidance and support to network participants. They assist in risk identification, analysis, and the development of risk management strategies. Through ongoing support, RiskShare Advisors help participants make informed decisions and effectively manage their risks.

'RiskShare Platform' is a digital application that enhances risk management efficiency for network participants and advisors. It provides tools for risk assessment, management, and reporting, while also facilitating communication among network participants. By offering a digital platform, RiskShare simplifies risk management and information sharing for participants and advisors.


  • Clients choose or switch advisors for an advisory subscription. Fully customer-centric, in other words.
  • Then they can easily close, pay, claim and cancel risk sharing schemes themselves in minutes. The monthly  premiums are variable and automatically (re)calculated daily, for each specific risk, to cover claims paid on that day.
  • The partnership of advisors conducts client surveys (sample) on preferences for risk sharing schemes. If desired by the majority, these are introduced. In this way, clients influence the premiums. Restrictive or generous conditions lead to fewer or more claims and therefore lower or higher premiums.
  • Advisors submit claims to a (Sedgwick) expert, who is randomly assigned by the platform. The expert's fees are borne by the advisors and paid in advance regardless of whether payouts follow. All this avoids conflicts of interest.
  • Advisors pay a platform fee of €8,00 per client per month for the risk sharing technology and for the collection of their subscriptions.
  • The P2P risk sharing network, as the risk bearer, does not have a legal status and risk sharing is not a product. So laws, regulations and licenses do not apply.
  • No tax due on payments from a p2p risk sharing scheme. They are not payments from a legal party or from assets.
  • P2P risk sharing in all corners of the world directly between local clients, advisors and experts without a central authority, using nothing but smartphone and internet.


    96% of all transactions in the insurance industry involve the collection of premiums. RiskShare has a fully automatic collection process. After in the RiskShare app the premium calculation and closing or cancellation is completed, participant is forwarded to PayPal that automatically handles the direct debit or cancellation. The details of all premium transactions are verifiably stored on the private blockchain. This process offers maximum scalability to grow exponentially to many millions of participants and transactions without the additional deployment of manpower and systems.


    4% of all transactions involve payments to claims. In the RiskShare app, participant reports the claim via Artificial Intelligence to his/her advisor. Advisor and expert assess the claim. Expert creates a payment link. Advisor approves the link. Participant activates the link and accepts the claim settlement by crediting to his/her PayPal account. For each specific risk, premiums are automatically (re)calculated daily, to cover the claims paid on that day. In this way, participants, both new and renewing, always pay a balanced share. The details of all claim transactions are verifiable stored on the private blockchain.


    PayPal is an essential component of RiskShare's operational processes, as it enables the efficient and secure collection and payment of premiums and claims. The fully automatic collection process allows for maximum scalability, handling millions of transactions without the need for additional manpower and systems. Additionally, the use of a private blockchain ensures that all transaction details are verifiable and secure. Overall, PayPal plays a critical role in the efficient and streamlined operation of the RiskShare platform.


    • Blockchain are hashlinked transactions that cannot be changed or deleted
    • Consensus is required before a transaction is added to the blockchain
    • Private by participation of only verified and identified participants
    • Participants have visibility of all transactions stored on the blockchain


      The premiums for disability insurance offered by traditional providers are prohibitively high for many self-employed individuals in the labor market. As a result, a significant number of them go without coverage. While absenteeism due to illness among self-employed individuals is typically below 3%, assuming an average absenteeism rate of 4% and a benefit of €2,000 per disabled person per month, the total monthly claims for 100 risk-sharing participants would be €8,000. This translates to a premium of €80 per participant per month, which represents a savings of at least 60% compared to traditional insurance providers. The premium amount is age-dependent, starting at €5 per month for an 18-year-old and increasing by €3 per year. For a 67-year-old self-employed individual participating in the risk-sharing scheme, the premium is €155 per month. It's important to note that payments received from P2P risk sharing schemes are not subject to income tax.



      • Clients: At least 60% premium discount through P2P risk sharing
      • Advisors: €90,000 in subscriptions per year with e.g. 150 clients
      • Platform: €96 fee per year per client from the RiskShare advisors
      • PayPal: At least €50,000,000 turnover per year at 1 million clients


      The goal within five years is to establish a network of one million clients, form partnerships with 5,000 advisors, and facilitate millions of transactions. The platform is projected to have a market value of one billion euros, based on a valuation of 13 times its profit or an 8% rate of return. Once this is achieved, an exit strategy will be considered. The journey will start with ten million euros in launch capital and aim to reach a market value of one billion euros in five years, with a focus on both growth and profitability.


      • Platform Fees: €96,000,000
      • Platform Costs: €20,000,000
      • Platform Profit: €76,000,000


      STEP 3 NOW

      1. Attracting an entrepreneur / co-founder / ceo  with a drive for success
      2. Raising launching capital
      3. Recruiting a small commercial and technical staff
      4. Programming the risk sharing schemes
      5. Collaboration with (Deloitte) Advisors
      6. Collaboration with (Sedgwick) Experts
      7. Promotional actions
      8. Global launch Q4-2023

        Burg. Kolfschotenstraat 4    Tel. +31(0)653374097
5616 DD Eindhoven            rbossema@riskshare.nl