Each person or organization is able to deal with misfortune or bad luck - an accident
the car is damaged or injured person in the workplace resulting injury, fire
house burns down, the cargo is not delivered on time, the debtor refuses to repay the debt (the debtor is lost)
and etc. However, most disasters is unpredictable, its occurrence is only likely in the foreseeable
indeterminate. Thus, there is a disaster accident risk. One type of risk we can tolerate, but
other will be happy to avoid. With an unacceptable risk can be addressed by eliminating a source of risk (that
the car is not stolen, you can acquire it), to improve the ways and means (the car
would not be stolen, you can use the-art security measures of complex motor
ignition systems, etc. etc.) in preparation for a reserve for potential losses sustained (knowing
that there is a chance that the car is stolen, the value of the car to deposit money into an account
that is to purchase a new car if the previous is stolen). But not in all cases
The following methods of contraception, we may be acceptable and comfortable. One of the risks (and more specifically, its effects
- Loss) ways of managing the risk of loss transfer on the other shoulder - insurance.

     Insurance operating principle is based on risk diversification. Group of people (members) have brought a certain
monetary contributions to a fund from which the later event of a disaster for any of the offset
the losses incurred. Since this fund involves many people and, as mentioned above, the occurrence of disaster
is only expected (and thus payment of compensation and the corresponding decrease in the fund also
is the only plausible), participants in the fund, secured to get compensation in case of emergency, it may bring
one person in a relatively small contribution, however, generally have relatively high cash
reserve funds. Insurance Fund for each participant’s risk of damage split between all fund
participants, a significant reduction of any participant in the potential loss in case of failure. Obvious
insurance, the negative effects of the risk management tool, the advantage - for a relatively small
contribution receives a much higher compensation. So a person in order to ensure a calmer future
possible in case of failure, just much smaller amount than the one he decided to
raise the possibility of failure and its consequences.