Question

which risks are insurance companies usually unwilling to insure?
○ risks that the insured person probably can’t intentionally cause
○ risks that are difficult to predict
○ risks that have measurable negative outcomes
○ risks that are predictable by analyzing statistics

Explanation:

Insurance companies rely on actuarial science and risk assessment, which requires predictability. Risks that are difficult to predict (e.g., unique, unquantifiable, or with unknown probabilities) make it hard to set premiums or assess exposure, so insurers avoid them. The other options describe risks that are insurable: intentional - cause - free risks (like natural disasters), measurable - outcome risks (standard insurable events), and statistically predictable risks (the basis of insurance pricing).

Answer:

B. risks that are difficult to predict