One of the example of non-insurable risk is
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An uninsurable risk could include a situation in which insurance is against the law, such as coverage for criminal penalties. An uninsurable risk can be an event that's too likely to occur, such as a hurricane or flood, in an area where those disasters are frequent.....
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Pandemic risk:
The risk of a pandemic, such as the coronavirus, are nearly impossible for insurance companies to predict and estimate the damages that could be caused to individuals and corporations.
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