The article examines why companies in Germany buy insurance. They studied 2160 companies and found that bigger companies and certain ownership structures are more likely to buy insurance. Companies that pay higher premiums tend to buy less insurance, but having more insurance contracts increases the likelihood of buying insurance. The study didn't find a clear link between insurance demand and loss ratios or the number of losses. The study also highlights how the type of insurance contract and the insurance market influence companies' decisions to buy insurance.