"Risky" is underdefined: - who takes the risk? (employer vs employee vs employer's clients vs state vs insurance) - how transitive is the risk? (is A on the h

"Risky" is underdefined: - who takes the risk? (employer vs employee vs employer's clients vs state vs insurance) - how transitive is the risk? (is A on the hook for B's risk as well?) Only two dimensions but it's already a mess to think it through.