这与约翰·f·肯尼迪(John F. Kennedy)所说的变化是生命的法则是一致的，那些只看现在或过去的人肯定会错过对未来的感知。从这个角度出发，并牢记不能失败，各行各业和公司都在努力感知新兴的风险保险类别，这些类别包括基于技术的、基于结晶的和基于恶化的。这些类别在新兴风险认知领域提供了保险。例如，技术领域的变化总是导致出现挑战，但是如果以正确的方式处理这些挑战或出现的风险，就会导致出现机会。
The key is that risk keeps on changing the risks that existed in the past and today might not be present in the future. Working over the current risks cannot result into successful risk management or successful risk insurance because as already evident the risks keep changing . Therefore, exploring or perceiving emerging risks is important. Perceiving risk and insuring emerging risk are directly related to each other, if there is one, then there is existence of the other one due to the risk being multi-faceted. Insurance of emerging risk is not possible until that particular risk is perceived. Perception of the risk on the other hand is not complete without idealizing future based or emerging risk. Insurance of any kind of risks, furthermore, comes into being only when that risk is perceived. There are many organizations across different industries which engage themselves in the process of perceiving emerging risk insurance and such organizations also engage in the practice of defining the emerging risk.
This is in alignment with what John F. Kennedy has stated that change is life’s law and those looking only at the current situation or past one certainly will miss out on perceiving the future. From this perspective and keeping in mind not to fail, various industries and companies in them have worked towards perceiving emerging risk insurance categories, the categories are inclusive of technological based, based on crystallizing and based on aggravation . These categories have provided insurance in the domain of emerging risk perception. For example, the change in technological realm has always lead towards presenting challenges, but when these challenges or emerging risks are addressed in a correct manner, it results into presenting opportunities.