Pure fire insurance in the original sense is hardly used any more. The risks of fire and lightning, and the more recent additions of explosion and aircraft crash are still always included as basic hazards today. But other causes have become more prominent in assessing risks and in calculating capacity and premiums. These include major natural perils such as windstorms, floods and earthquakes, as well as the risk of terrorism which was implicitly included in the basic hazards but was long paid only scant attention.
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