require(
    MerkleProof.verify(
        _merkleProof,
        _targets,
        keccak256(
            abi.encodePacked(_insurance.target, _insurance.insured)
        )
    ) ||
        MerkleProof.verify(
            _merkleProof,
            _targets,
            keccak256(abi.encodePacked(_insurance.target, address(0)))
        ),
    "ERROR: INSURANCE_EXEMPTED"
);
