Cyber ​​attacks and security pose the greatest risk as the resulting losses could be catastrophic (Figure 1), and these attacks are much more common events today (Figure 2). As a NY Times article states, it is wise to transfer these risks through cyber attack insurance since a company like Microsoft cannot completely avoid this risk. It is difficult and expensive to insure all this risk, especially for a company as large as Microsoft, so Microsoft should transfer as much as reasonably possible and try to control losses for the rest through extensive cybersecurity measures (Perlroth and Harris). . The next risk to the company is failed projects. Since Microsoft is so innovative, there are many projects that it undertakes, and these projects can make a lot of money or lose a lot of money for the company. It is obviously important to avoid these projects that will cost the company a lot in terms of revenue through a thorough analysis of the project. It is impossible, however, to avoid all projects, so Microsoft must retain and control losses on projects that begin to fail while maintaining the option to abandon a project or recover the resources invested in another project. The third risk is the disclosure of personal data. This is a big deal for any business that uses cloud storage. It can cause huge losses as customers referred