Insurance may be the most all-pervasive industry in our country today. Virtually all property, products, and services both tangible and intangible are insured or insurable. Buying insurance is one of the ways we manage our personal risks. Mortgagors will not lend on any property without insurance. You cannot nor would you want to drive a car, see a doctor or use other products without insurance. As a consumer, managing your personal risk, you want the manufacturers of products you buy and services you consume to be insured. Validating the existence of this third-party insurance is another way we manage our exposure to risk.