Disrupting disruptions

​Deloitte & Victoria University of Wellington School of Government having written an interesting report on how we can boost resilience in the face of uncertain shocks.

Uncertain shocks are broader than insurable risks and so require a broad set of tools. Beyond personal resilience (cash savings), the next layer of resilience includes:

1. support networks e.g. family and friends 
2. financial resources e.g. credits facilities and insurances

Other layers of resilience include employers, government and not-for-profits and cultural capital as shown in Deloitte's info-graphic below.

When these different sources of work together, we get something really powerful. PeerCover is a club which enhances the financial resources of our support networks. The club is in effect, peer-to-peer insurance - disrupting disruptions!