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The risk is the burden of the loss incurred due to an event beyond errors. possibility of something that can not be predicted adverse or unwanted. So is the uncertainty or the possibility of something, that if there is a will result in a loss.

Risk has some characteristics, namely:
* The uncertainty Is the occurrence of an event
* If there Is uncertainty that would cause any harm.
The risk can also be distinguished by a variety of means, including:

1. According to its
* Pure Risk (the risk of unintentional), is the risk of incurring losses in the event of the occurrence of accidental and without.
Example: the risk of the occurrence of a natural disaster, fire, theft, etc.
* Speculative Risk (the risk of intentional), is the risk that intentionally inflicted by the concerned, so that the occurrence of uncertain benefit to him.
Example: production risk, the risk of monetary (currency exchange rate).
* Fundamental Risk, is the risk that the cause is non-assignable right to someone and who suffer from not just one or a few people, but a lot of people.
Example: the risk of war, air pollution, etc.
* A special Risk, is the risk that is sourced on a standalone event and generally easy to know the cause, as the ship was run aground, the aircraft crashed, crashing cars and so on.
* Dynamic Risk, is the risk that arise due to the development and advancement of society in the (dynamic) Economics, science and technology, such as financial risk, risks of space flight.
* The risk of static, is the antithesis of dynamic risk as the risk of old age, the risk of death and so on.

2. According to the source or cause of the onset of
* Internal Risks, i.e. the risk that comes from within,: fire originating from the insured’s own home
* External Risk, i.e. the risk that comes from the outside, such as the risk of fire from the adjacent Rembrandt House, natural disaster, theft, robbery and so on.