Insurance is a risk for both the insurance company and the insured. Commercial properties are not insured by the EQC, but by private insurance companies. Health insurance covers the costs of medical treatment and hospitalization of the insured. This creates a receivable owed from the insured to the insurer. Shergar was insured through several different insurance companies. Insurance provides coverage for events out of the insured policyholder's control. Health insurance covers the costs of medical treatment and hospitalisation of the insured. Initially, 5,000 homes were insured by his Insurance Office. Costs have been incurred from business disruption, replacement of damaged parts and insured losses. Patients are treated regardless of whether they are insured. Any risk that can be quantified can potentially be insured. Individuals not insured by employers would be insured by the government. Deposit balances above $10,000 would only be partially insured. In New South Wales, each vehicle must be insured before it can be registered. They were so safe that merchandise was often not insured.