Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
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Over the last six months, there has been a great push to change the direction of this website. If you have noticed, this domain no longer resembles a general website. The site’s business model has narrowed its focus to financial planning, business related issues, and the role of insurance agents in the financial service industry.
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