Business as a socio-economic activity is aimed at satisfying various parties in terms of meeting their needs. Owners want profits, consumers need quality goods at reasonable prices at the required time and employees require adequate compensation and society demands welfare. However, this socio-economic activity is amenable to several types of risks such as natural (drought, floods, earth quakes, while winds etc) and man made; known and unknown (theft, burglary, fire accidents), expected and unexpected. Irrespective of their nature, risks shatter the hopes of several groups of people and society at large Это и многое другое вы найдете в книге Impact Of Liberalization On General Insurance Business (Kattamuri Satish)