Risk Control Mature vs Unexpected Loss

            To better understand the benefits of General Insurance to manage risk, we can see an example of what is experienced by a family in their activities. Let's take the example of family and family Anton Louis, both of which are medium-sized family living in two different countries. Anton's family live in developing countries who have not applied the insurance policies so that less aware of the risks while the family lived in the country Louis, which requires the general insurance policies in many aspects and is very aware of the risks and the importance of management.
In the same year, the result of savings from working for four years for each of 800 million rupiah, the two families decided to build their own business with a value of 600 million rupiah. At the beginning of doing business, the family chose not to take Anton's general insurance policy to protect its business because it felt it was "safe" and loss of pay for insurance policies that are considered expensive. While Louis-conscious family decided to take the insurance risk management for business by setting aside $ 20 million each month to pay policyholders.Three years later, when both are enjoying the growing stage in his business occur unexpectedly shorted (short-circuit) that caused a fire at the family's place of business second. All equipment and raw materials sold out eat the red rooster. However, families do not look desperate Louis Anton family after the incident. Two weeks after the insurance claim process done and inspections from inspectors losses (loss adjusters) is completed, Louis Family redress that they need to rebuild their businesses as usual. They can retain the best workers who recruits, maintaining relationships with suppliers and most importantly, continue to maintain the market share of its products to consumers. As for the family of Anton, because they do not have insurance, are forced to work harder and raise more money in future years in order to rebuild their businesses. Because less aware of risk, business and business learning process that has been done by Anton's family over the years seem wasted away in the snap of a finger.
            Louis families can protect their business by buying some types of general insurance. If business use of vehicles, he can mengasuransikanya. How much protection that will be enjoyed depending on the insurance agreement is made. If business use of buildings, Louis family can also use the building insurance to cover the cost of repairing or rebuilding if the buildings are damaged by the events that are not predictable. In addition there are also insurance for the contents of the building (Home contents insurance) to cover such items as clothing, cabinets, electrical appliances, carpeting and so forth.