Risk Insurability & Financial Access
Structural assessment of financial support depth. Measures the degree of 'Financial Exclusion'—the difficulty of obtaining insurance and credit for the specific item or route.
Scoring Scale (0-5)
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0Universal Coverage
Deep, liquid markets for both credit and insurance; multiple competing providers; risk is considered 'Standard' or negligible.
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1Highly Insurable
Broad access to trade finance and credit insurance; standard premiums; high appetite from Export Credit Agencies (ECAs).
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2Conditional Access
Coverage is available but requires higher premiums or specific 'War Risk' / 'Climate Risk' add-ons; standard bank lines are accessible.
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3Constrained Liquidity
Specialized providers only; banks require high collateralization; insurance capacity is limited or subject to frequent 'stop-buy' orders.
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4Extreme Risk Surcharge
Insurance is punitive or available only through state-backed 'Insurers of Last Resort'; commercial banks largely avoid the sector/jurisdiction.
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5Uninsurable / Financial Black-out
Market has withdrawn; zero availability of credit insurance or PRI; trade is 'All-Risk' for the operator and requires full cash-collateralization.
Score Distribution
How 128 industries score on this attribute
v2.0 flips the scale: 5 is now the highest risk (Uninsurable).
Industry Examples
128 industriesReal industries from our analysis demonstrating each score level for Risk Insurability & Financial Access.
10 more industries
Construction of roads and railways ISIC 4210 Construction of utility projects ISIC 4220 Other activities auxiliary to financial service activities ISIC 6619 Activities of insurance agents and brokers ISIC 6622 Architectural and engineering activities and related technical consultancy ISIC 7110 Renting of video tapes and disks ISIC 7722 Travel agency activities ISIC 7911 Defence activities ISIC 8422 Hospital activities ISIC 8610 Residential nursing care facilities ISIC 871037 more industries
Mining of hard coal ISIC 510 Extraction of crude petroleum ISIC 610 Processing and preserving of fish, crustaceans and molluscs ISIC 1020 Manufacture of plastics products ISIC 2220 Manufacture of basic iron and steel ISIC 2410 Manufacture of structural metal products ISIC 2511 Manufacture of measuring, testing, navigating and control equipment ISIC 2651 Manufacture of batteries and accumulators ISIC 2720 Manufacture of domestic appliances ISIC 2750 Manufacture of motor vehicles ISIC 2910 Water collection, treatment and supply ISIC 3600 Materials recovery ISIC 3830 Electrical installation ISIC 4321 Building completion and finishing ISIC 4330 Other specialized construction activities ISIC 4390 Wholesale trade, except of motor vehicles and motorcycles ISIC 46 Wholesale of computers, computer peripheral equipment and software ISIC 4651 Retail sale of clothing, footwear and leather articles in specialized stores ISIC 4771 Retail sale via mail order houses or via Internet ISIC 4791 Sea and coastal freight water transport ISIC 5012 Passenger air transport ISIC 5110 Warehousing and support activities for transportation ISIC 52 Courier activities ISIC 5320 Event catering ISIC 5621 Wireless telecommunications activities ISIC 6120 Data processing, hosting and related activities ISIC 6311 Other credit granting ISIC 6492 Legal activities ISIC 6910 Veterinary activities ISIC 7500 Private security activities ISIC 8010 Organization of conventions and trade shows ISIC 8230 Activities of collection agencies and credit bureaus ISIC 8291 Packaging activities ISIC 8292 Higher education ISIC 8530 Social work activities without accommodation for the elderly and disabled ISIC 8810 Creative, arts and entertainment activities ISIC 9000 Gambling and betting activities ISIC 920050 more industries
Processing and preserving of meat ISIC 1010 Manufacture of vegetable and animal oils and fats ISIC 1040 Printing ISIC 1811 Manufacture of soap and detergents, cleaning and polishing preparations, perfumes and toilet preparations ISIC 2023 Manufacture of pharmaceuticals, medicinal chemical and botanical products ISIC 2100 Manufacture of computers and peripheral equipment ISIC 2620 Manufacture of communication equipment ISIC 2630 Manufacture of consumer electronics ISIC 2640 Manufacture of engines and turbines, except aircraft, vehicle and cycle engines ISIC 2811 Manufacture of lifting and handling equipment ISIC 2816 Manufacture of agricultural and forestry machinery ISIC 2821 Manufacture of parts and accessories for motor vehicles ISIC 2930 Manufacture of furniture ISIC 3100 Manufacture of jewellery and related articles ISIC 3211 Manufacture of medical and dental instruments and supplies ISIC 3250 Repair of fabricated metal products ISIC 3311 Electric power generation, transmission and distribution ISIC 3510 Construction of buildings ISIC 4100 Plumbing, heat and air-conditioning installation ISIC 4322 Sale of motor vehicles ISIC 4510 Sale of motor vehicle parts and accessories ISIC 4530 Retail sale in non-specialized stores with food, beverages or tobacco predominating ISIC 4711 Freight transport by road ISIC 4923 Warehousing and storage ISIC 5210 Accommodation ISIC 55 Short term accommodation activities ISIC 5510 Beverage serving activities ISIC 5630 Motion picture, video and television programme production activities ISIC 5911 Sound recording and music publishing activities ISIC 5920 Wired telecommunications activities ISIC 6110 Computer consultancy and computer facilities management activities ISIC 6202 Web portals ISIC 6312 Life insurance ISIC 6511 Non-life insurance ISIC 6512 Real estate activities with own or leased property ISIC 6810 Real estate activities on a fee or contract basis ISIC 6820 Accounting, bookkeeping and auditing activities; tax consultancy ISIC 6920 Management consultancy activities ISIC 7020 Research and experimental development on natural sciences and engineering ISIC 7210 Advertising ISIC 7310 Specialized design activities ISIC 7410 Activities of employment placement agencies ISIC 7810 General cleaning of buildings ISIC 8121 Landscape care and maintenance service activities ISIC 8130 Combined office administrative service activities ISIC 8211 Other education n.e.c. ISIC 8549 Medical and dental practice activities ISIC 8620 Other human health activities ISIC 8690 Operation of sports facilities ISIC 9311 Activities of professional membership organizations ISIC 941219 more industries
Manufacture of wearing apparel, except fur apparel ISIC 1410 Manufacture of glass and glass products ISIC 2310 Manufacture of electric motors, generators, transformers and electricity distribution and control apparatus ISIC 2710 Building of ships and floating structures ISIC 3011 Manufacture of railway locomotives and rolling stock ISIC 3020 Manufacture of bicycles and invalid carriages ISIC 3092 Maintenance and repair of motor vehicles ISIC 4520 Restaurants and mobile food service activities ISIC 5610 Television programming and broadcasting activities ISIC 6020 Computer programming activities ISIC 6201 Other information technology and computer service activities ISIC 6209 Other monetary intermediation ISIC 6419 Technical testing and analysis ISIC 7120 Market research and public opinion polling ISIC 7320 Combined facilities support activities ISIC 8110 Activities of call centres ISIC 8220 Library and archives activities ISIC 9101 Repair of computers and peripheral equipment ISIC 9511 Hairdressing and other beauty treatment ISIC 9602Archetype-Specific Considerations
This attribute has special risk drivers when applied to certain industry archetypes:
Driven by liquidity, risk pricing, and balance sheets.
Risk Driver: Credit Limit Utilization & Insurance Premium Volatility
Driven by continuous capacity, uptime, and infrastructure.
Risk Driver: Sovereign Credit Rating & Multilateral Guarantee Support
Driven by biology, nature, and decay. Time is the enemy.
Risk Driver: Product Liability & Biological Contamination Cover
Related Strategies
Strategies that incorporate Finance & Risk pillar analysis (21 strategies):
Playbooks Using This Attribute
13 playbooks use FR06 in their feasibility checks:
Rules Using This Attribute
10 risk rules use FR06 in their trigger conditions: