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In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a large, possibly devastating loss. The insured receives a contract called the insurance policy which details the conditions and circumstances under which the insured will be compensated. From Wikipedia under the
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 marketwatch.com Wed, 08 Sep 2010 16:26:36 GMT+00:00 Company MarketWatch (press release) The principal methodology used in determining these ratings is Best's Credit Rating Methodology -- Global Life and Non-Life Insurance Edition, ... AM Best Places Ratings of Liberty Life Insurance Company Under Review With ... Insurance News Net (press release) A.M. Best Affirms Ratings of Flagstone Alliance Insurance and Reinsurance PLC Insurance News Net (press release)  usnews.com Thu, 09 Sep 2010 13:03:35 GMT+00:00 on Campus U.S. News & World Report A vast majority of college health centers only accept school-sponsored health insurance plans, forcing students who visit the center with ...  blogs.wsj.com Thu, 09 Sep 2010 23:00:35 GMT+00:00 Wall Street Journal (blog) According to 2008 bumper-test data from the Insurance Institute for Highway Safety, the Toyota Prius was among the worst performers in low-speed collisions ... From Google News Search: "Insurance" How long is a insurance company required to give before they cancel your insurance? Q. My insurance called me yesterday and informed me that they would be cancelling my insurance because I have rented my house to a group of students. They gave me two weeks to find new insurance before they cut me off. I'm having trouble finding someone who will insure us. If they cut my insurance, my bank will cancel my mortgage, and I guess that means I'd lose the house. Is this insurance company allowed to drop me in this manner. When we got the insurance two months ago there was nobody living in the house, but it was rental insurance. We never lied or anything, we were completely honest through the whole process. Asked by sunny - Tue Sep 26 19:42:43 2006 - - 9 Answers - 5 Comments A. most insurance policies range from 30 to 90 days on a cancellation for non payment. You need to stop and read your policy carefully. If this is a home owners policy there is likely an exclusion for using the house as a business. When you bought the insurance you were probably purchased it through an agent. He didnt care what you told him. all he wanted to do was sale the policy. It's the underwriter that now wants to cancel it. Bottom line. I think that you have two options. 1. Purchase a commercial property insurance policy. (expensive but doable.) 2. Search around and find another homeowners insurance policy and buy 1M dollars worth of umbrella coverage. I'd spend my time looking for option two. The minute you ask about an… [cont.] Answered by Thoughts Like Mine - Wed Sep 27 06:09:38 2006 What kind of insurance do insurance companies need to buy for their own company? Q. I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.) Asked by Twig - Sun Jun 1 00:23:12 2008 - - 3 Answers - 0 Comments A. Do you want to start an insurance company or an insurance agency? There is a difference. I'm guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you'd have the knowledge already or at least the money to hire someone who knew. For an agency you'll need E & O insurance. Also, depending on your situation you'll need a business general liability and property coverage. You'll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you'll need workman's comp and possibly health insurance, disability, etc. for the employees. Answered by Zarnev - Sun Jun 1 01:17:58 2008 How much insurance company will raise my rate after a car accident?
Q. My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year. Asked by amber - Fri Jan 16 11:58:57 2009 - - 3 Answers - 2 Comments A. There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined $ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount. When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages. Answered by Susan K - Sat Jan 17 11:47:47 2009 From Yahoo Answer Search: "Insurance"  bravotv.com Sun, 08 Nov 2009 19:44:11 PST Bravo video Inside the Actors Studio - Videos - Bonus Clips - Hilary Swank - No Insurance | Bravo TV Official Site. bravotv.com.  youtube.com Thu, 01 Oct 2009 03:56:01 PDT "Que sera sera" Lyrics Ads. When I was just a little girl, I asked my mother, 'What will I be? 'Will I be pretty? 'Will I be ... youtube.com. From Google Video Search: "Insurance" |
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