Are you a young execution-focused entrepreneur with a drive for success and a passion for innovation? Want to launch a world-class internet platform with limitless potential, drawing comparisons to the likes of Uber and Airbnb? Do you possess exceptional commercial skills and an undeniable charisma, as well as a natural affinity for insurance and franchising? And, most importantly, do you have the ability to think big, start small and scale fast?

Then RiskShare presents a rare and irresistible opportunity for you to become a successful UNICORN founder and reap significant financial rewards in just five years. Join the revolutionary insurtech platform that's set to shake up the insurance industry and make history. You just need to raise 10 million euros in initial funding, assemble a commercial and technical staff, recruit a network of independent advisors, and plan promotional campaigns.  Don't miss this once-in-a-lifetime chance to be at the forefront of industry disruption. RiskShare will become bigger, more agile and more profitable than Uber and Airbnb with the right man or woman at the top.

It’s important to understand that this role involves starting a company comparable to Uber or Airbnb, from scratch. As the core of this venture, you need to build a strong, capable team because no idea or business model can succeed without the right people driving it forward. You will also need to raise €10 million in investment capital, and present the project to a global audience, including TV appearances and events for thousands of advisors and government officials. Only the woman or man who is able to secure the €10 million investment will be able to move forward and discuss the next steps in this unique venture. This includes an equity-driven structure rather than salary during the early stages. Reach out now and present your compelling plan of action via rbossema@riskshare.nl

BUSINESS MODEL
RiskShare is the world's first and only true P2P risk sharing platform. With P2P risk sharing, participants pay only for each other's claims without the intervention of an insurer or reinsurer, so without costs, taxes and profits resulting in premiums that are at least 60% lower than traditional insurance. 

RiskShare is completely digital. No expensive buildings, no front or back office staff and no bureaucracy. RiskShare involves online networks of individuals without legal status, so no regulations and licenses apply. They offer coverage for death, disability, accidents, healthcare, travel, liability, legal aid, damage or loss to car, house and contents. Tagline "Risk ends where RiskShare begins''

The risk sharing is advised and managed by independent advisors who build their own client base through subscriptions and pay themselves a fixed fee per client to the platform. They are the first and only point of contact making RiskShare both extremely digital and extremely personal. And ultimately, clients and advisors are the all-over marketing engine through participant engagement.

The platform allows participants to easily close, pay, claim and cancel risk sharing schemes all by themselves in minutes. The periodic risk sharing payments are variable and automatically (re)calculated daily for each specific risk, to cover claims paid on that day. Advisors conduct client surveys to gather preferences for risk sharing schemes and if desired by the majority, these schemes are introduced. This allows participants to influence the risk sharing terms and payments.

Our 5 year objective is to have networks of a total of one million participants, franchise partnerships of a total of five thousand advisors and many many millions of transactions. With a market value of one billion euros, an exit will be considered.

The age of digital platforms:

In the age of digital platforms, disruptive innovations have transformed industries, revolutionizing the way people access services and goods. Companies like Uber and Airbnb have been at the forefront of this revolution, reshaping the transportation and accommodation sectors. However, there's a new player on the horizon that promises to become even bigger: RiskShare. With its unique approach to risk sharing and cost reduction, RiskShare has the potential to surpass Uber and Airbnb's market reach. Let's explore the similarities and advantages that position RiskShare as a formidable contender in the global market.

A Shift from Traditional Models:

Just as Uber disrupted the traditional cab model and Airbnb transformed the hotel industry, RiskShare introduces a groundbreaking paradigm shift in the insurance sector. RiskShare replaces traditional insurers with risk advisors, who facilitate risk sharing among participants. By eliminating traditional insurers, RiskShare eliminates costs, profits, and taxes, making insurance more affordable and accessible to a wider audience.

Global Reach:

One key similarity between RiskShare, Uber and Airbnb is their global presence. Uber and Airbnb operate in numerous countries, connecting car drivers with trippers and home owners with tourists worldwide. RiskShare aims to follow suit by establishing its platform globally, allowing participants from every corner of the world to engage in risk sharing. This expansive reach opens up a vast market potential for RiskShare, surpassing the localized nature of traditional insurance providers.

Cost Reduction:

Uber and Airbnb gained significant traction by offering their services at discounted rates compared to traditional alternatives. Similarly, RiskShare aims to disrupt the insurance market by providing risk sharing at a remarkable 60% discount through its platform. By eliminating the profit-driven motives of traditional insurers, RiskShare passes on the savings to participants, making insurance affordable and attractive to a larger number of individuals.

Participant Engagement:

One factor that sets Uber, Airbnb and RiskShare apart from their predecessors is the active engagement of their participants. Rather than acting as mere consumers, individuals can become drivers, hosts, or risk advisors, actively contributing to the platform and its community. This participatory approach not only empowers users but also fosters a sense of ownership, loyalty, and collaboration. RiskShare's emphasis on participant involvement creates a robust network effect, propelling its growth and expansion.

Disruptive Potential:

Uber and Airbnb disrupted traditional industries by leveraging digital technologies and the sharing economy. Similarly, RiskShare introduces a disruptive concept in the insurance realm, harnessing the power of risk sharing and blockchain technology. By decentralizing the insurance process and providing a transparent, secure, and efficient platform, RiskShare has the potential to revolutionize how individuals protect themselves against risks globally.

Conclusion:

While Uber and Airbnb have redefined their respective industries, RiskShare is poised to make an even greater impact on the global stage. With its unique approach to risk sharing, substantial cost reductions, global reach, and participant engagement, RiskShare is positioned to become a dominant force in the insurance sector. By leveraging the principles that made Uber and Airbnb successful, RiskShare has the potential to reshape the insurance landscape, offering affordable and accessible coverage to individuals worldwide. As the world becomes increasingly interconnected, RiskShare's rise as a market giant seems inevitable, solidifying its place alongside the disruptive pioneers of the sharing economy.

Dear Deloitte team,

I hope you are doing well. We at RiskShare have been following your work for some time, and we are impressed by your expertise in consulting and risk management. As such, we would like to invite you to collaborate with us on a new project.

Our team at RiskShare is dedicated to introducing a fresh approach to risk management and consulting. We believe that the current centralized and hierarchical system can result in communication breakdowns and inefficiencies. Our vision is to establish a decentralized holacratic ecosystem for consulting and peer-to-peer risk sharing on a global scale.

In a holacratic ecosystem, an organization is divided into self-organizing teams, or "circles," each with a specific purpose and set of accountabilities. These circles are interconnected and interdependent, and they work together to achieve the overall goals. Each circle has a circle lead, who is responsible for ensuring that the circle is fulfilling its purpose and accountabilities. The circle lead is also responsible for facilitating meetings and decision-making processes within the circle.

We believe that this new approach will offer several benefits to our clients, including increased transparency, better communication, and improved efficiency. By leveraging the latest technology and best practices from the field, we can create a system that is more responsive to the needs of our clients.

We would like to invite your team to join us in this endeavor. We believe that your expertise in consulting and risk management will be invaluable to the success of this project. Your team's skills and knowledge can help us develop the necessary systems and protocols to make this vision a reality.

Together, we can create a new standard for consulting and risk management. We believe that this new approach will not only benefit our clients but will also help to create a more equitable and sustainable economy.

We look forward to the opportunity to work with you and to collaborate on this exciting project.

Thank you for considering our invitation.

In light of the emergence of RiskShare as a disruptive force in the insurance sector, both commercial and technical employees should come together to address the challenges and opportunities presented by this new paradigm. Here are some key points that commercial and technical employees at RiskShare should consider:

1. Collaboration: Commercial and technical employees need to collaborate closely to align their strategies and goals. The commercial team should provide insights into market dynamics, customer needs, and competitive landscapes, while the technical team should translate these insights into technological solutions that enable RiskShare's platform to deliver the desired outcomes.

2. Market Expansion: Commercial employees should focus on identifying and targeting new markets for RiskShare's platform. They should conduct market research to understand local regulations, cultural nuances, and customer preferences. Technical employees should support this expansion by developing scalable and adaptable technological infrastructure that can accommodate the platform's global reach.

3. User Experience: Both commercial and technical employees should prioritize creating a seamless and user-friendly experience for RiskShare participants. Commercial employees should provide insights into user expectations and preferences, while technical employees should design and develop intuitive interfaces and smooth workflows that make it easy for participants to engage with the platform.

4. Security and Privacy: Technical employees should pay close attention to security and privacy considerations to build trust among RiskShare participants. They should implement robust security measures, such as encryption and data protection protocols, and ensure compliance with relevant regulations. Commercial employees should communicate these security measures to potential participants to instill confidence in the platform.

5. Education and Support: Commercial employees should develop educational materials and resources to help participants understand the concept of risk sharing and how to make the most of the platform. Technical employees should provide technical support to participants, addressing any issues they may encounter and ensuring a smooth user experience.

6. Continuous Improvement: Both commercial and technical employees should embrace a culture of continuous improvement. They should actively seek feedback from participants and iterate on the platform to enhance its features, functionality, and overall value proposition. This iterative approach will help RiskShare stay ahead of competitors and adapt to evolving market needs.

7. Regulatory Compliance: Commercial employees should stay updated on insurance regulations and compliance requirements in different jurisdictions. They should work closely with legal teams to ensure that RiskShare operates within the bounds of the law. Technical employees should support compliance efforts by implementing appropriate mechanisms to track and report relevant data for regulatory purposes.

By bringing together the expertise and perspectives of commercial and technical employees, RiskShare can effectively navigate the challenges and capitalize on the opportunities presented by the age of digital platforms. This collaborative approach will help RiskShare establish itself as a leading player in the insurance industry and drive its growth and success in the global market.

Are you tired of the endless paperwork, bureaucracy, and high costs associated with traditional insurance policies? If so, it's time to switch to the future of insurance with RiskShare. This P2P risk sharing platform offers coverage to your clients with premiums that are at least 60% lower than traditional insurance policies, making it an attractive option for those who want to save money without sacrificing quality.

With just 150 clients, you can earn an impressive commission of €90,000 and you don't need any permits to start building your client base. This is a great opportunity for anyone who wants to become an advisor and start their own risk advisory business without the usual hassle and red tape.

The RiskShare platform is fully digital, making it easy and efficient for your clients to close, pay, claim, and cancel risk sharing schemes in just a few minutes. Its decentralized holacracy ecosystem operates without bureaucracy, meaning that you won't be bogged down with endless paperwork and complicated procedures.

As the first and only point of contact for advice and claims, you can build a strong, personal relationship with each of your clients and be their ultimate information channel. This means that you'll have the opportunity to provide exceptional customer service and help your clients navigate the often-confusing world of insurance.

But that's not all. With RiskShare, your clients can even have a say in their premiums. By conducting client surveys, you can gather preferences, and if the majority of all clients want certain features or benefits, they can be fed into the risk sharing schemes that influence their premiums. This ensures that your clients feel heard and valued, and it also helps you to tailor your services to their needs.

One of RiskShare's unique selling point is the combination of technology and personal touch. While many insurance companies have moved towards digitization, RiskShare recognizes the value of personal relationships and offers clients access to their own dedicated advisor who is available 24/7 from anywhere. This approach makes RiskShare both highly digital and highly personal, offering clients the best of both worlds.

In conclusion, if you're looking for a way to enter the insurance industry without the usual red tape and bureaucracy, RiskShare is the way to go. With its P2P risk sharing platform, you can offer your clients affordable coverage and earn an attractive income without any permits. Plus, the platform is fully digital, making it easy and efficient for clients to manage their risks, and you'll have the opportunity to build strong, personal relationships with each of your clients. So, what are you waiting for? Join the revolution and choose the future of insurance with RiskShare.

As satisfied members of RiskShare, we are thrilled to share our experience with this revolutionary platform and our advisor who helps us navigate it.

One of the biggest draws of RiskShare is the incredible savings on premiums. By cutting out traditional insurance companies, and avoiding all the associated costs, taxes and profits, we only pay for each other's claims. This results in premiums that are at least 60% lower than traditional insurance. And with the completely digital platform, there are no expensive buildings or staff, making it an even more cost-effective option.

We are also impressed by the variety of coverage offered by RiskShare. They have coverage for everything from death and disability to travel and legal aid. And if there is a specific coverage scheme that a majority of the members want, it can be introduced, giving us more control over our premiums and coverage.

But what really sets RiskShare apart is the personal touch provided by our advisor. Despite the platform being completely digital, we never feel like we are on our own. Our advisor has been there to guide us through the process of closing, paying, claiming and canceling on risk sharing schemes. They have also conducted client surveys to help us and other members make informed decisions about our coverage.

Beyond the financial benefits and personal touch, RiskShare offers a level of freedom and comfort that we have never experienced with traditional insurance. With the ability to easily adjust our coverage and payments ourselves, we feel empowered to take control of our own risk management.

And lastly, there is a sense of status associated with being a part of this innovative platform. We feel like we are a part of a movement that is revolutionizing the insurance industry and changing the way we think about risk management.

Overall, we cannot recommend RiskShare and our advisor enough. They have truly changed the way we approach risk management and have given us a sense of security and comfort that we never thought possible. If you're ready to join the revolution, we highly recommend giving RiskShare a try.

PARTICIPANT ENGAGEMENT

RiskShare's unique approach to participant engagement is the driving force behind its remarkable network effect. Unlike traditional insurers, RiskShare encourages active involvement and contribution from its participants, setting it apart and fueling a cycle of growth and expansion.

RiskShare empowers its participants by allowing them to become risk advisors on the platform. This grants them a sense of ownership and transforms them from passive consumers into active contributors. By leveraging their knowledge and expertise, participants play a crucial role in shaping the RiskShare community. This high level of engagement builds strong bonds between the platform and its participants, fostering loyalty and a collaborative spirit.

As more participants join RiskShare as risk advisors, the platform experiences exponential growth in its knowledge base and expertise. This wealth of information attracts others seeking risk advice, recognizing the value of a diverse and engaged community. The larger and more active the community becomes, the more comprehensive and reliable the risk advice offered on the platform.

The network effect intensifies as the number of participants and their level of engagement increase. With more risk advisors joining, RiskShare becomes increasingly valuable to those in need of risk advice. This, in turn, attracts more participants to become risk advisors, creating a virtuous cycle of growth and deepening engagement.

Furthermore, RiskShare's participatory model fosters collaboration and knowledge sharing among participants. Risk advisors learn from one another, exchange insights, and collectively improve their expertise. This collaborative environment promotes innovation and constantly enhances the quality of risk advice available on the platform.

Ultimately, the enormous network effect of RiskShare through participant engagement, fuels rapid growth and expansion. As the community of risk advisors expands, more clients are drawn to the platform for reliable risk advice, further reinforcing the network effect. This growth allows RiskShare to reach a wider audience and establish itself as a leading platform in the risk advisory space.

In summary, RiskShare's emphasis on participant engagement and involvement creates a robust network effect. By empowering participants to become risk advisors and actively contribute to the platform, RiskShare fosters a sense of ownership, loyalty, and collaboration. This, in turn, drives the platform's growth, attracts more participants, and enhances the quality of risk advice, solidifying RiskShare's position in the market.

The Technical Architecture Behind RiskShare: An Innovative P2P Risk-Sharing Platform

At RiskShare, we are proud of our advanced technical architecture that enables us to offer a robust, scalable, and cost-efficient platform for peer-to-peer risk sharing. In this article, we will take you through the technical landscape that powers RiskShare and demonstrate how we leverage cutting-edge technologies to realize our vision.

From Concept to Reality: Prototyping with Excel

• Rapid Prototyping:

  • We start by designing and testing our risk models in Excel.

  • Excel provides an intuitive and visual environment for quick iteration and refinement.

• Validation:

  • Once a model is validated, we convert it into a production-ready solution.

Automated Conversion with SpreadsheetConverter

• Streamlined Workflow:
  • We use SpreadsheetConverter to convert our Excel spreadsheets into Node.js code.
• Efficiency:

  • This process automates the conversion of logic and formulas, reducing manual errors and maintaining accuracy.
    
    

Scalable and Flexible Cloud Implementation

• Deployment to AWS Lambda:
  • The generated Node.js code is deployed to AWS Lambda, Amazon Web Services' serverless compute platform.

AWS Lambda: Serverless Computing

• No Server Management:
  • Lambda allows us to execute code without server management.
• Automatic Scaling:
  • Lambda provides automatic scaling to handle usage spikes effortlessly.
• Cost Efficiency:
  • We only pay for actual execution time, resulting in significant cost savings.
    
    

DynamoDB: Reliable Data Storage

• High Performance and Scalability:

  • We use Amazon DynamoDB for data storage, enabling quick and efficient read/write operations.

• Global Platform Support:
  • DynamoDB is crucial for managing large volumes of data on a global scale.

Seamless Integration with API Gateway

• Interface for Users:
  • Our API Gateway serves as the interface between users (web and mobile applications) and the backend.
• Secure Communication:
  • It receives HTTP(S) requests from clients and routes them to the appropriate Lambda functions.

Security and Monitoring

• Robust Security Measures:
  • Data encryption at rest and in transit.
  • Strict access controls using AWS IAM roles and policies.
• Comprehensive Monitoring:
  • AWS CloudWatch is used for monitoring and logging.
  • Allows quick response to issues and performance optimization.

Conclusion: Innovation and Efficiency Hand in Hand

• Combining Technologies:
  • We combine the power of Excel for rapid prototyping with the scalability and flexibility of AWS Lambda and DynamoDB.
• Efficient Development:
  • This allows us to efficiently develop a robust P2P risk-sharing platform.
• Commitment to Quality:
  • Our advanced technical infrastructure demonstrates our commitment to quality and innovation.
    
    

At RiskShare, we continuously innovate to provide our users with the best possible experience. We look forward to welcoming you to our platform and shaping the future of risk sharing together.

There are several potential benefits that AI can bring to participants in a peer-to-peer (P2P) risk sharing network. Here are a few examples:

• Improved risk assessment: AI can help assess the risk of insuring a particular individual or group of individuals more accurately than traditional methods. By analyzing a wide range of data points, including demographics, lifestyle habits, and past claims history, AI algorithms can identify high-risk individuals and adjust their premiums accordingly. This can help reduce the overall risk for the network and ensure that premiums are set at a fair rate for all participants.

• Faster claims processing: AI can also help speed up the claims process by automating many of the tasks involved. For example, AI algorithms can automatically verify the authenticity of claims, assess the damage or loss, and calculate payouts. This can help reduce the time and cost involved in processing claims and ensure that participants receive their payouts more quickly.

• Fraud detection: AI can also be used to detect fraudulent activity within the network. By analyzing data from multiple sources, such as social media, credit reports, and claims history, AI algorithms can identify patterns of behavior that are indicative of fraud. This can help prevent fraudulent claims from being paid out, which can help reduce the overall cost of the network.

• Better customer service: AI can also be used to improve customer service for participants in a P2P risk sharing network. For example, chatbots or virtual assistants can be used to answer common questions, provide risksharing information, and assist with claims processing. This can help reduce the workload on the advisors and provide participants with faster and more efficient service twenty-four seven.

Overall, the use of AI in P2P risk sharing networks can help reduce costs, improve efficiency, and provide better service to participants. However, it's important to ensure that the use of AI is transparent and fair, and that participants are fully informed about how their data is being used.

Are you looking for an exciting investment opportunity that can diversify your portfolio while tapping into emerging markets and disruptive technology? Look no further than RiskShare's expansion projects. These projects have the potential to generate significant returns while revolutionizing traditional industries.

One of RiskShare's standout projects is RideShare. This innovative platform connects car owners and travelers directly, creating a more efficient and cost-effective mode of transportation. By tapping into the sharing economy, RideShare can revolutionize the transportation industry and offer an exciting investment opportunity for those looking to capitalize on this trend.

Another promising project is RoomShare, which offers a personalized and affordable alternative to traditional hotels. By enabling people to share their homes with travelers, RoomShare can disrupt the hospitality industry and provide a unique investment opportunity.

QuickFoodies is another exciting project that leverages technology to offer a faster and more convenient way to order food. With the increasing demand for food delivery services, QuickFoodies can tap into this market and grow rapidly, providing a lucrative investment opportunity for investors.

LoanShare is also worth considering, as it can revolutionize the mortgage industry by connecting borrowers and investors directly. This platform offers a more affordable and accessible way to access funding while providing a profitable investment opportunity for those looking to invest in mortgages.

Finally, HomeCare is a project that can improve the healthcare industry by connecting patients and caregivers directly. With an aging population and increasing demand for healthcare services, HomeCare can provide a more efficient and cost-effective way to access healthcare services, while also offering a lucrative investment opportunity.

As a client or advisor of RiskShare, you have the opportunity to invest in these exciting projects and benefit from their potential growth. With cutting-edge technology and disruptive business models, these projects can revolutionize traditional industries and offer a unique investment opportunity for those looking to diversify their portfolio. Don't miss out on this exciting opportunity to invest in RiskShare's expansion projects.