1. A method for managing risk associated with property, said property possessed by a possessor making payment to an owner of said property for said possession, the property associated with an insurance status stored in a database indicating at least whether said property is included in an insurance policy, comprising: defining a minimum standard for said insurance status; monitoring said database to determine the insurance status of said property; and if the insurance status of said property does not meet said minimum standard, said owner charging a fee to said possessor in addition to said payment without said owner allocating said fee to alter said insurance status.