This risk carries moderate exposure due to the inherent nature of security services, which involve elevated liability for potential negligence or contractual breaches. Key mitigating factors include high excess levels, strict warranties such as age restrictions (18-70 years), and valid working permits for all Nepalese guards. The territorial scope being limited to Malaysia reduces broader exposure, while reliance on existing service contracts adds some complexity to the risk profile. Overall, the balance of controls and exposures positions this as a manageable risk with moderate complexity.