You have to exclude those causes that generate moral hazard problems for the insurance to work; otherwise, the whole system will fail.

你得将一些,有可能会产生道德风险的情况,排除在外;,否则，整个保险系统就失效了。

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I work for a large insurance company,

我在一家很大的保险公司工作，

经济危机的影响 - SpeakingMax英语口语达人

Insurance relies on this theory of risk pooling but it has to make it work.

保险是基于风险汇聚理论的,并运用其有效降低风险

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