What is Risk:
Risk is a possibility of something unpleasant happening. It is generally associated with a decision that leads to an exposure or a type of danger.
Risk is synonymous of danger, chance, fortune, eventuality and antonym of security, trust, certainty.
The risk situations They are those decisions that lead to dangerous situations.
The risk factor’s They are all the things that increase the probability of damaging the most vulnerable points of a system, whether business or disease.
The factors that make up the risk are the threat and the vulnerability. The ability to overcome threat and vulnerability is called resilience.
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The types of risks They can be classified into:
Physical (noise, temperature, radiation, pressure, etc.), Chemical (powders, solvents, etc.), Biological (allergy, etc.), Ergonomic (postures, etc.), Psychosocial risks (stress, etc.).
On the other hand, in insurance contracts the main object is the Risk coverage which, in exchange for a premium, compensates the insured in the event of damage or loss. For example: my car was insured against all risks.
Financial risk
Financial risk is insecurity produced by the return on an investment product of various causes such as changes in the sector where it operates, instability in financial markets, etc. In other words, financial risk refers to the inability of a company to meet its financial obligations within the agreed time and period.
There are different types of financial risks: market risk, credit risk (that one of the parties fails to comply with its obligations stipulated in the financial contract) and liquidity or financing risk (that one of the parties to the contract cannot obtain the necessary liquidity. to meet their obligations despite owning the assets, due to not being able to sell them quickly and at the right price).
Occupational hazard
As occupational risk, the possibilities of a worker suffering an accident or illness linked to the activities carried out at work. However, some legislations consider accidents suffered by the worker on the way from home to work and vice versa as an occupational risk.
In reference to this point, there are professionals dedicated to the safety and hygiene of the company, to evaluate the risks of each sector and job to establish the necessary measures that help minimize or avoid accidents and occupational diseases. On the other hand, there are companies that provide their employees with work insurance with medical coverage and payment for damages suffered.
natural risk
A natural risk is defined as a natural phenomenon that affects human life, property or infrastructure. In this sense, the natural risk may have a geological nature (tsunamisearthquakes, tidal waves, etc.), meteorological and hydrological (heavy rain, wind, cold and heat wave, strong winds, forest fires, etc.), biological (pests, epidemics), or land movements, among others.
Biological risk
The biological risk arises from the exposure of an organism that can cause countless diseases. Among some of the infectious agents we can mention viruses, bacteria, parasites, fungi or spores, toxins, endotoxins, cell cultures, etc.
In reference to this point, it is important to comply with preventive measures both at work and at home to avoid infections, toxicities, or any other illness.