Insurance companies alone determine insurability, and some people are deemed uninsurable. Early in his career, Bachrach was able to write insurance policies for previously uninsurable positions. People who were deemed uninsurable due to pre-existing health conditions were still eligible to enroll. Magnolia, he said, had been put in "an untenable legal position" making the movie uninsurable. Work became difficult for her to find, as she had become uninsurable. Vessels "out of class" may be uninsurable and/or not permitted to sail by other agencies. Crime is not uninsurable "per se".