Insuring companies assumes risks for relatively small premium because of the law of large numbers , which assumes that while any one policyholder may suffer a loss, out of a total population of policyholders only a few will actually suffer a loss.

• 根据大数定律，保险公司只收取相对而言数额很小的保费便能承担风险，因为大数定律认为，尽管每个投保人都可能遭受损失，但在所有投保人中，只有少数人会真正受到损失。