Which one of the following is FALSE?

Which one of the following is FALSE?

One of the big categories of personal insurance is Property$-$Liability.

Blockchain is a technology that is disrupting the insurance industry.

Insurtech technologies make the world more resilient but less efficient.

Avoid the risk is a basic category of treating risk in the risk management process.

Risk management is the big overall process and insurance is a just risk treatment technique used as part of the process.