Disasters

Disasters caused by humans
In the United States, the cost of disasters caused by human beings reached 5.8 billion dollars in 2011. In general, these losses were provoked by large-scale industrial fires, explosions and other damages in the energy sector.
These types of tragedies, caused by humans, are something you cannot control. They are unforeseen — a risk that takes place without notice. Life insurance protects against these incidents and reduces the impact caused by fortuitous acts, which can cause the loss of lives and material possessions.
 
Source: www.swissre.com