Which benefit do businesses see from assuming certain risks?

Businesses see a benefit from assuming certain risks primarily through the reduction in operational costs via self-management of those risks. When companies choose to self-insure or take on specific risks, they can save on premiums that they would otherwise pay for traditional insurance coverage. By managing risks internally, businesses can tailor their approach to their specific circumstances, establish protocols to mitigate potential losses, and maintain greater control over their financial resources.

This method allows businesses to allocate funds more efficiently, potentially leading to lower overall costs in comparison to purchasing comprehensive insurance policies for all risks. Additionally, by analyzing and managing their risk exposure, businesses can adopt strategies that further lower the likelihood of losses, reinforcing the cost-saving benefits of self-management.

The other options do not provide the same clear-cut benefits related to risk assumption. While guaranteed safety for employees and decreased liability insurance premiums might seem appealing, they do not directly stem from a business's acceptance of risk. Similarly, mandatory collaboration with insurers on all claims does not reflect the autonomy businesses could achieve through self-managing their risks.