Answer: In our daily life and during our activities, we develop a number of actions that put a risk or our heritage (the goods that we acquire with so much effort) or our health and even our own life and the future of our family. In the face of this series of risks it is important that we protect ourselves, and understanding that we cannot walk around with an armor or in a bubble, we must better prevent and anticipate unforeseen events that not only would make us have a bad time, but our economic future and our stability affect us.