A risk that conforms to the following criteria: The possible loss must be plainly explained; the loss must be accidental and significant enough to be considered a hardship to the insured; the loss must also be part of a similar group of risks, so as to make the loss foreseeable; the loss must not occur at the same time as multiple others; and finally, the insurer must be able to compute the probability of a loss and a realistic cost for the insurance.