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Risk sharing and transfer are critical mechanisms in enhancing disaster resilience, as they allow communities, organizations, and governments to distribute the potential economic and social burdens of disasters. Disasters, whether natural or human-made, often impose sudden and severe impacts on livelihoods, infrastructure, and essential services. By adopting strategies that share and transfer risk, stakeholders can reduce vulnerability, accelerate recovery, and strengthen overall preparedness. One of the primary methods of risk transfer is insurance. Insurance allows individuals, businesses, and governments to mitigate financial ______ ________ ________ ________ ________ ___.
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