An uninsurable risk is one that cannot be shifted to an insurance company . For example , companies run the risk of not making a profit , hiring irresponsible employees , and promoting incompetent managers .
One sequence portrayed a student with a life-threatening pre-existing condition that until recently rendered him uninsurable , who has stopped talking to a conservative friend who refuses to support obamacare because he said it felt as though the friend didn 't value his life .
Climate change will increase the risk of flooding in the uk , which could lead to dramatic rises in insurance premiums for homeowners and businesses and make some areas of the country uninsurable , the association of british insurers has warned .
Meanwhile , global insurance industry group the geneva association warned this week that warming oceans are making some coastal regions -- including parts of the u.k. and the u.s. -- " uninsurable " by industry standards , and that the number of cities meeting that criteria will likely grow as sea levels rise and oceans continue to warm .