Risk is specified in the insurance.. When the place is insured is given in time to take out insurance

The risk is not certain when the shop was insured is given in time to take out insurance, in the sense that had this shop will be in time if the risk.

For example, liability insurance for motor vehicle accidents is a lock on a particular risk, since the insurance is not against a particular incident in particular, but against any incident and therefore the danger is not only determined by when you bring.