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Insurance is a term in law and economics. It is something people buy to protect themselves from losing money. People who buy insurance pay a “premium” often paid every month and promise to be careful (a “duty of care”). In exchange for this, if something bad happens to the person or thing that is insured, the company that sold the insurance will pay money back. (However, there are some times when the company will not have to pay money back, such as if the person was not careful.