While types of insurance vary widely, their primary goal is to apportion the risks of a loss from the individual to a great number of people. Each individual pays a “premium” into a pool, from which losses are paid out. The premium is not returnable, regardless of whether the particular individual suffers the loss or not. Thus, when a building burns down, the loss is spread to the people contributing to the pool. In general, insurance companies are the safe keepers of the premiums. Because of its importance in maintaining economic stability, the government and the courts use a heavy hand in ensuring these companies are regulated and fair to the consumer.