Insurance is an operation by which a person (the insurer) undertakes to provide a service, under an insurance contract, for the benefit of another individual (the insured) upon the occurrence of a risk and subject to the payment of a contribution or a premium. The risk constitutes the object of the insurance. An insured takes out insurance to protect himself against harmful events (illness, fire, theft, death, etc.) or against the risks associated with certain objects he owns (car, home, etc.).