As we delve into important insurance concepts, it is important that you know where "insurance" fits into the overall domain of techniques for risk management and/or enterprise risk management. After reviewing the course materials, consider where and when a risk manager might wonder "do we need insurance for this"? Provide an example of the risk manager's process for answering this question, using a specific example of a risk you are familiar with, or something that you find online. Be sure to discuss important implications of the choice to insure/not-insure and the potential consequences