What Is The Right Level Of Insurance Exposure?

Hi,

There are so many insurance products out there, it is easy to find yourself with saturated coverage and ridiculous strains on your cashflow.

What is the right ratio of insurance to calculated risk, and how do you judge it for yourself?

I am a bit of a risk taker and choose not to have insurance in some areas where others would think it was essential.

What is the right ratio?

Please help.
Thanks!

I didn't find the right solution from the Internet.

References http://www.smallbusinessbrief.com/forum/showthread.php?t=56777

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