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Last week in this column we analyzed that captive insurance companies offer advantages in risk management and cost control, but not all enterprises are suited to establish a captive. What conditions are required to achieve the intended risk diversification goals while avoiding creating new sources of risk for the company?

In Hong Kong, a densely populated international metropolis, the red, green, and blue taxis flowing through the streets once symbolized the city's vitality. However, in recent years, issues such as inconsistent taxi service quality, an aging driver demographic, and frequent instances of refusal to pick up passengers or taking circuitous routes have become increasingly prominent, prompting society to re-examine the sustainability of traditional travel modes.