For most people, insurance is a necessity, as it the best way for an individual or organisation to insure against risk; primarily the risk associated with owning property, which is something which has been around for hundreds, maybe even thousands of years; but also with the risks associated with any financial expenditure. Insurance can be a great option in lots of different situations; if you’re an owner of a retail business, having some protection against theft or vandalism is essential; if you’re the owner of a car / vehicle, then insuring against risks of damage inflicted on the vehicle or by it can reduce the cost of any mishap immensely (it is also illegal to drive without insurance). While insurance…