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Insurance, insurance or guarantee is a way to address the risks to human in his being or his money during the period of his life for the sake of mitigation. The essence of this method is the cooperation achieved with the participation of people exposed to the same risk in the face of the effects that result from achieved for some of them, and so each of them to pay for subscription or premium, combining the amounts received and then distributed to those who replace their disaster. Thus check the effects of the disaster on the participants in achieving this cooperation. [1] insurance is is a practical reality, one of the best tools that enable rights of mitigating the effects of disasters, both signed these disasters by the same person, shorten it or negligence, or by a third party. A safety device that are compatible with the modern spirit in which it abounded life requirements and increased the risk of the machine age and the risk of development has become the clear
