Samet Caliskan is a legal and business consultant based in Newcastle, UK. He holds a BA in business from Gazi University, an LLM from Case Western Reserve University, and a PhD from Newcastle University. His publications, in fields such as company law, competition law, and insurance law, appear in renowned journals, including the Journal of European Competition Law & Practice, European Review, The Journal of British Insurance Law Association, and the Journal of African Law. In addition to his consultancy practice, Samet lectures at Newcastle Law School, where he teaches LLM students.Pereowei Subai is a distinguished legal scholar and educator, currently serving as a professor of law at the Faculty of Law, Niger Delta University. He has a robust academic background, including a Bachelor of Laws (LLB) from Rivers State University, a Master of Laws (LLM) from Obafemi Awolowo University and a Doctor of Laws (PhD) from Newcastle University. He has taught not only within Nigeria at institutions such as Niger Delta University and Federal University Otuoke but also internationally at St. Augustine University in Mwanza, Tanzania. Beyond academia, Professor Subai is actively engaged in consulting with local and international organisations.

• 1. Introduction2. Individual Behaviour, Company Liability and Risk: Traditional Corporate Control Mechanisms as a Constraint3. Individual Behaviour, Company Liability and Risk: Competition Law and Regulatory Liability4. Legal Attribution and Ascription of Risk: Preventing the Company from Passing on Liability and Loss5. Managing Risk: Neutering Insurance in the Face of Individuals’ Undesirable Behaviours6. Conclusion

Samet Caliskan is a legal and business consultant based in Newcastle, UK. He holds a BA in business from Gazi University, an LLM from Case Western Reserve University, and a PhD from Newcastle University. His publications, in fields such as company law, competition law, and insurance law, appear in renowned journals, including the Journal of European Competition Law & Practice, European Review, The Journal of British Insurance Law Association, and the Journal of African Law. In addition to his consultancy practice, Samet lectures at Newcastle Law School, where he teaches LLM students.Pereowei Subai is a distinguished legal scholar and educator, currently serving as a professor of law at the Faculty of Law, Niger Delta University. He has a robust academic background, including a Bachelor of Laws (LLB) from Rivers State University, a Master of Laws (LLM) from Obafemi Awolowo University and a Doctor of Laws (PhD) from Newcastle University. He has taught not only within Nigeria at institutions such as Niger Delta University and Federal University Otuoke but also internationally at St. Augustine University in Mwanza, Tanzania. Beyond academia, Professor Subai is actively engaged in consulting with local and international organisations.

• 1. Introduction2. Individual Behaviour, Company Liability and Risk: Traditional Corporate Control Mechanisms as a Constraint3. Individual Behaviour, Company Liability and Risk: Competition Law and Regulatory Liability4. Legal Attribution and Ascription of Risk: Preventing the Company from Passing on Liability and Loss5. Managing Risk: Neutering Insurance in the Face of Individuals’ Undesirable Behaviours6. Conclusion

Samet Caliskan is a legal and business consultant based in Newcastle, UK. He holds a BA in business from Gazi University, an LLM from Case Western Reserve University, and a PhD from Newcastle University. His publications, in fields such as company law, competition law, and insurance law, appear in renowned journals, including the Journal of European Competition Law & Practice, European Review, The Journal of British Insurance Law Association, and the Journal of African Law. In addition to his consultancy practice, Samet lectures at Newcastle Law School, where he teaches LLM students.Pereowei Subai is a distinguished legal scholar and educator, currently serving as a professor of law at the Faculty of Law, Niger Delta University. He has a robust academic background, including a Bachelor of Laws (LLB) from Rivers State University, a Master of Laws (LLM) from Obafemi Awolowo University and a Doctor of Laws (PhD) from Newcastle University. He has taught not only within Nigeria at institutions such as Niger Delta University and Federal University Otuoke but also internationally at St. Augustine University in Mwanza, Tanzania. Beyond academia, Professor Subai is actively engaged in consulting with local and international organisations.

• 1. Introduction2. Individual Behaviour, Company Liability and Risk: Traditional Corporate Control Mechanisms as a Constraint3. Individual Behaviour, Company Liability and Risk: Competition Law and Regulatory Liability4. Legal Attribution and Ascription of Risk: Preventing the Company from Passing on Liability and Loss5. Managing Risk: Neutering Insurance in the Face of Individuals’ Undesirable Behaviours6. Conclusion