### Question
How does the law define insurance?


### Answer
Under *42 U.S.C. § 9671*, **insurance** is defined as:

> primary insurance, excess insurance, reinsurance, surplus lines insurance, and any other arrangement for shifting and distributing risk which is determined to be insurance under applicable State or Federal law

#### Citation:
  - *42 U.S.C. § 9671*
  - Heading: **CHAPTER 103-COMPREHENSIVE ENVIRONMENTAL RESPONSE, COMPENSATION, AND LIABILITY > SUBCHAPTER IV-POLLUTION INSURANCE**

