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It is true to state that risks are present from the day we are born until we die. They surround us and they affect the way in which we look at life. One may be a reckless driver and a person who doesn’t pounder much upon what might happen to him and his family, another can have thousands of worries and fears related to the fact that diseases, theft, conflicts, wars or fire can hit him and hinder his nearest and dearest. One thing is certain: we cannot avoid unfortunate events and we cannot fight them alone. What we can try to do is to get insured and to seek help from a group of experts who have vast knowledge of all the risks and who can deal with them.

Let us put it this way: we cannot avoid losses in our life. As we know very well that money comes and goes, so it is the case with our health or our belongings, like our car, our apartment, house or villa. A fire can start just by leaving an unsupervised cigarette on the ground or by misusing fireworks. A tornado can show up from nowhere and destroy an endless number of buildings, including the one where our business is based. A neighbor who lives right above us can forget his water running and thus cause serious damages not only to our ceiling, but also to our furniture, floors, kitchen supplies, jewelry, valuable paintings, pianos and other old musical instruments and so on and so forth. What can we do is such events happen? How will we be defended and how will we continue our lives in this given situation?

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