Besure is a risk sharing platform developed to facilitate the process of self insurance among communities. It is designed to attract users with common characteristics/objectives in many to many micro-communities ("pools") where members are able to contribute funds into a "virtual communal jar" and distribute the risk of loss or damage. Besure's community is powered with a Virtual Actuary, a system designed to quantify premiums and minimum participation levels to ensure the pool's integrity and protection from implosion. Proprietary to this platform is the Community Court, a utility within the portal that facilitates peer adjudication on claims. The overall objective of Besure is to leverage community to help people protect what's important to them. There is a gap between what "can" be traditionally insured (car, house, life, health) and what consumers "want" protected. Besure closes this gap.