London insurance companies would because the whole concept of insurance is pooling of independent probabilities.

伦敦的保险公司之所以开展火险,是因为整个保险理念,就是将独立事件发生的风险汇聚起来

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When you do these calculations, which I just did for insurance-- I was talking about insurance companies-- assuming that risks are independent, everything's independent and we've got it all figured out.

当你试图去,做保险相关计算时,我指的是保险公司...,假定风险是独立的,事件都是独立的,可以算出一个结果

耶鲁公开课 - 金融市场课程节选