The conditions for insurability of a thing are the hazard, that is to say the unpredictability of an event such as damaging or one of its characteristics (eg date of death), the independence of the will of the insured (eg divorce), the legality of the event (eg inability to provide the consequences of a criminal conviction or fines). This implies inter alia that the known past events are uninsurable (loss already done). Therefore, in principle, it is possible to obtain insurance for any event relating to the ownership of a property, to that of real property, life, health, etc.. The types of insurance contracts are the most common life insurance contracts and insurance policies or casualty damage (fire accident and casualty).

We distinguish between contracts and health insurance (AP) and those of property insurance and responsibility. Personal insurance for life insurance are complemented by insurance for bodily injury (Health, Disability, Death from all causes). Property insurance responsibilities correspond to the casualty out of personal injury insurance. Sometimes, insurance companies provide lotteries and games, as improbable and important gains are possible.