The chief executive officer of GBB Company, in consultation with the head of the human resources department, decided to begin to offer off-site day care as an employee benefit for GBB employees. The risk manager learned of the day care operation two weeks after the service to employees had begun. He reviewed the company's liability insurance contracts and determined that the company had no coverage for liability arising out of the day care operations. This risk, as it was not identified and treated, is being handled through what