There is a thriving ecosystem devoted to developing innovative applications to improve or, in some cases, disrupt insurance.

Slaughterhouses will take extra steps to ensure other animals aren't contaminated at a cost of about $6.5 million a year.

Man-made losses, including from the collapse of a bridge in Genoa, Italy, that killed 43 people, added $300 million.

Many structures did not withstand the fury of Hurricane Michael, leaving acres of flattened houses and other buildings in its wake.