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Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial loss. Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium and duty of care.
Principles of insurance
Losses must be uncertain.
The rate of losses must be relatively predictable: In order to set premiums (prices) insurers must be able to estimate them accurately. This is done using the Law of Large Numbers which states that: The larger the number of homogenous exposures considered, the more closely the losses reported will equal the underlying probability of loss. If the coverage is unique, the insured will pay a correspondingly higher premium. Lloyd's of London often accepts unique coverages. (e.g., the insuring of Tina Turner's legs and Jennifer Lopez's buttocks)
More on [ Insurance ]
Insurance :: Financial Services
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Associates - Provides short articles on insurance coverage.
A.M. Best - Offers data to insurance professionals and buying guides for consumers. Reports on the condition of insurance companies. Free registration allows access to insurance company ratings.
Meta Description: [ A.M. Best Company, The Insurance Information Source, offers
comprehensive data to insurance professionals. Best's Ratings are the
industry's standard measure of insurer financial performance. Founded
in 1899, A.M. Best is the world's oldest and most authoritative source of
insurance compa... ]
ArtSure.com - Insurance, appraisal, general information, and links relating to stained glass, art, antiques, and craft items.
Meta Description: [ James B. Jensen-- Artist, restoration specialist and insurance agent. ]
bls.gov: Claims Adjusters, Appraisers, Examiners, and Investigators - The US Bureau of Labor Statistics describes the functions and job outlook for the professions involved with insurance claims.
bls.gov: Insurance - Provides a broad overview of the insurance industry, including its nature, working conditions, occupations, earning potential, and outlook.
BlueCollarDollar: Insurance - Provides general information, links, articles, and editorials concerning various insurance topics.
Meta Description: [ Search the BlueCollarDollar online to find insurance information for health, home, auto, and life. BlueCollarDollar offers insurance guides for the various types of insurance that are available. ]
Business Insurance Oracle - Checklists: how to select an agent, spotting troubled insurance companies, understanding the fine print.
Meta Description: [ A practical guide to buying & understanding business insurance. ]
500
e-Insure: Journal - Offers articles concerning various topics such as insurance fundamentals, domestic partners, and insurance considerations for the small business.
Epinions.com: Insurance - Thousands of reviews on hundreds of insurance companies and products. Also provides consumer-authored Buying Guides, How-To's, and definitions.
Meta Description: [ Epinions has the best comparison shopping information on Insurance. Compare prices from across the web and read reviews from other consumers on Insurance before you decide to buy. ]
FastQuotes - UK site has articles on several insurance types including auto, travel, home, and pet.
Meta Description: [ we have included hints, tips and words of advice that will further your understanding of the particular insurance topic you are interested in, and more to the point, possibly save yourself some money too ]
Fool.com: Insurance Center Mainpage - Information covering the main insurance products people need.
Meta Description: [ Motley Fool Insurance Center ]
Insurance and Planning Resource Center - Business and personal insurance coverage glossary and resource.
Insurance Credit Scoring - News of the discriminatory practice of insurance credit scoring.
Insurance Information Institute (III) - Attempts to improve public understanding of insurance -- what it does and how it works. The site is subdivided into sections for Individuals (consumer info) Media (press info). [some content available in Spanish]
Insurance Research Station - Extensive directory of well organized links relating to insurance. Includes national and international sites covering topics such as regulation, news, resources, industry organizations, and jobs.
Meta Description: [ The comprehensive research site on insurance and financial services, covering 98 jurisdictions as well as 50 states and the District of Columbia. ]
Insurance Services Network - A directory of insurance companies and information on world wide insurance practices.
Insurance Tomorrow - Site is dedicated to insurance innovations for the 21st century. Advocates both a Universal Individualized Medicine Plan for the USA and formation of mutual insurance policyholder associations.
Meta Description: [ Insurance ]
Insurance Traders: Tips - Provides methods which may help save money on insurance for home, auto, or life. Site also contains short articles concerning other insurance topics.
Insurance-Canada - Provides consumers and insurance professionals with information about insurance-related topics pertinent to Canada.
Meta Description: [ Insurance Canada provides consumers and insurance industry professionals with information on insurance topics in Canada - Auto, Life, Home, Health, Travel, Disability, Business, Personal, Agents, Brokers, Special Coverage ]
Insurance.com: Learning Center - Provides articles and resources on auto, life, homeowners and health insurance.
Meta Description: [ America's #1 online insurance resource. Get insurance information and articles plus instant auto insurance quotes, life insurance quotes, and more. ]
Insurancexpert.co.uk - Consumer site offers information about property and casualty insurance. Provides lookup for independent insurance brokers in the United Kingdom. Sponsored by The National Insurance and Guarantee Corporation, Ltd.
Meta Description: [ Insurance advice for motor, travel, commercial, business, home insurance and links to local brokers ]
Insure.com - Offers an extensive library of consumer-oriented articles covering many insurance topics.
Meta Description: [ Instant online insurance quotes, 200 companies, auto insurance, car insurance, term life insurance, life insurance, health insurance, home insurance, dental insurance, long-term care insurance, renter's insurance, fixed annuities. ]
Protecting Your Assets - A Guide to Insurance - Consumer information from the Australian Securities and Investments Commission (ASIC). Learn how insurance works, how to choose an appropriate insurance policy, and how to minimise problems with claims.
Suite101.com - Personal Insurance - A lengthy tutorial providing consumer-oriented information on the most common types of personal insurance: auto, homeowners, renters, life, health, disability and annuities.
Meta Description: [ This course is designed to help anyone who is confused or unsure about buying personal insurance. It is intended only for consumers in the U.S. as laws and practices in other countries will vary. The lessons are: The Basics, Auto Insurance, Homeowners and Renters Insurance, Life Insurance, Annuit... ]
Texas Department of Insurance Consumer Help - Insurance resources, publications and news for consumers.
Meta Description: [ Consumer Help from the Texas Department of Insurance ]
The Beehive: About Insurance - Offers helpful consumer information about auto, home, and life insurance. It contains lots of educational material plus interactive stories and tools.
The USAA Educational Foundation - Non-profit organization provides consumer information on insurance and related personal and financial topics.
Watch Tower: A Business With a Long History - Article describes the history of insurance and discusses who needs it.
Meta Description: [ Insurance, a way to share risk with others, has existed for thousands of years. ]
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