Insurance is a contract by which one party in consideration of a price paid to him adequate to the risk becomes security to the other than he shall not suffer loss, damage or prejudice by the happening of the perils specified to certain things to which he may be exposed. It follows that it is applicable to protect men against uncertain events which may in any way be disadvantageous to them, not only to those persons to whom positive loss may arise by such events occasioning the depreciation of that which they possess, but those also who in consequence of such events may have intercepted from them advantage or profit which, but for such events, they would acquire according to the ordinary and possible course of things.