Which of the following is a direct form of risk transference?

The selection of obtaining an insurance policy as a direct form of risk transference is accurate because it fundamentally involves shifting the financial burden of a risk from an individual or organization to an insurance company. When an entity purchases insurance, it effectively transfers the risk of specific financial losses to the insurer. In the event of a loss or damage covered by the policy, the insurance company assumes responsibility for compensating the insured, thereby mitigating their potential financial exposure.

In contrast, the other options represent methods of risk management that do not directly transfer risk. Implementing safety measures reduces the likelihood or severity of risks occurring but does not shift risk elsewhere. Establishing emergency plans prepares an organization for potential incidents but also does not involve transferring liability or financial responsibility. Investing in backup systems improves resilience against disruptions but still retains the inherent risk within the organization. Thus, while those options enhance risk management practices, they do not constitute direct risk transference like obtaining an insurance policy does.