Insurance purposes

Reviewed from several angles, then the insurance goal and has a technical solution manifold, including:
a. In terms of Economics, then:
The goal:
reduce the pastian the results of business conducted by a person or company in order to meet the needs or achieve a goal.
Technique:
with the switch on the other hand the risk and the other to combine a number of risks which is quite large, so that it can be estimated with a more appropriate amount of potential losses.

b. In terms of the Law, then:
The goal:
the risk faced by an object or a business activity to the other party.
Technique:
through premium payments by the Insured in the contract surety indemnity (insurance policy), then switch to the risk underwriter.

c. In terms of the Commerce Code, then:
The goal:
share the risk faced by all participants to the insurance program.
Technique:
move the risk from the individual / company to financial institutions that engaged in risk management (insurance companies), which will share the risk to all participants who ditanganinya insurance.

d. From the Society, then:
The goal:
bear the loss together between all participants in the program insurance.
Technique:
all members of the group (group members) program to provide insurance contribution (in the form of premiums) to sympathize loss suffered by a / some members.

e. In terms of mathematical, then:
The goal:
predict the size of the potential risks and the forecast is used to divide the primary risk to all participants (a group of participants) insurance program.
Technique:
calculate the amount of possibilities based on the theory of possibility ( "Probability Theory"), made by aktuaris and by underwriter.