Abstract: A data insurance system with risk management, this risk management bases itself on a risk calculation algorithm targeted to digital data loss of computers and digital storage media. The risk is calculated using an algorithm based on S.M.A.R.T variables, O.S. variables, Anti-virus variables, Backup variables, S.N.M.P variables, Hardware variables and customer's behavior variables. The insurance coverage changes dynamically depending on the status of these variables, in addition, this data insurance system is able to create new rules of risk calculation in order to put the risk level of the customer's computer in red, orange or green, and it's able to auto-detects new trends based on the stats of the AIRC system.