This is an area more used in contract risk management and contract negotiation. If you`re considering risk transfer, think about the loss and how that loss is insured – not just for whom. Harvard University advises transferring risk in different ways: the purpose of FRAME is to bring consistency in the way agencies assess, manage, and assess the risk of offensive behavior. The aim is to achieve this by defining agreed values, a structured approach, common practical standards and a common language of risk. Recognizing the uncertainty surrounding risk and the challenges associated with its management, FRAME proposes a rights-based and evidence-based approach to risk practice, which will facilitate a targeted, proportionate and sound assessment and management of risk assessment and management in a number of authorities and groups of authors. . . .