2012年3月29日星期四

Insurance Youtube Sharing: How Does Insurance Work?


How Does Insurance Work?
According To Website Wikipedia, Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.

History Background About Insurance
Insurance has been around in some form since traders first began to travel over water to trade their goods. There is documented evidence that Chinese and Babylonian traders began to protect themselves against risk as far back as the 3rd century BC. Traders realized that if they spread their goods among multiple vessels, rather than putting all of their cargo on one vessel, they had a better chance of avoiding complete loss.

In later years, shippers in Great Britain reasoned that if 100 ship owners each chipped in money, if some of those ships were damaged or lost, the money collected from all 100 ships could be used to repair or replace the few. Extreme losses following the Great Fire of London in 1666 led to the creation of the world's first actual insurance company, The Insurance Office, or The Fire Office. And in the United States, the first insurance company was started in Charleston, South Carolina in 1732. Benjamin Franklin is recognized as helping to make insurance popular and to standardize the practice of insurance.

2012年3月21日星期三

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