Which is the reason for the possibility of insuran

单项选择题

Insurance is the sharing of risks. Nearly everyone is exposed to risks of some sort. The houseowner, for example, knows that his property can be damaged by fire; the shipowner knows that his vessel may be lost at sea; the breadwinner knows that he may die at an early age and leave his family poorer. On the other hand, not every house is damaged by fire, not every vessel lost at sea. If these persons each put a small sum into a pool, there will be enough to meet the needs of the few who do suffer loss. In other words, the losses of the few are met from the contributions of the many. This is the basis of insurance. Those who pay the contributions are known as "insured" and those who administer the pool of contributions as "insurers".
Not all risks end themselves up being covered by insurance. Broadly speaking, the ordinary risks of business and speculation can not be covered. The risks of threat buyers that will not buy goods as the prices offered is not of a kind that can be statistically estimated—and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the "policy". This is a printed form of contract on stout paper of the best quality. It states that in return for the regular payment by the insured of a named sum of money, called the "premium", which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk or event insured against actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason for this. Over a large number of years many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts, in their judgements, have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in policies even when they have passed out of normal use in speech.

Which is the reason for the possibility of insurance

A．Only a small proportion of the insured suffer loss.
B．Nearly everyone suffers loss.
C．Only insured people suffer loss.
D．Everyone at sometime suffers loss.