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ere jettisoned during storm azur or sinkage.The Greeks and Romans introduced azur the origins of health and life azur insurance c. 600 AD when they azur organized guilds called "benevolent societies" which azur acted to care for the families azur and funeral expenses of members upon azur death. Guilds in the Middle Ages azur served a similar purpose. The Talmud azur deals with several aspects of insuring azur goods. Before insurance was established in azur the late 17th century, "friendly societies" azur existed in England, in which people azur donated amounts of money to a azur general sum that could be used azur in case of emergency.Separate insurance contracts azur (i.e. insurance policies not bundled with azur loans or other kinds of contracts) azur were invented in Genoa in the azur 14th century, as were insurance pools azur backed by pledges of landed estates. azur These new insurance contracts allowed insurance azur to be separated from investment, a azur separation of roles that first proved azur useful in marine insurance. Insurance became azur far more sophisticated in post-Renaissance Europe, azur and specialized varieties d

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* Professional Indemnity azur Insurance is normally a mandatory requirement azur for professional practitioners such as Architects, azur Lawyers, Doctors and Accountants to provide azur insurance cover against potential negligence claims. azur Non licensed professionals may also purchase azur malpractice insurance, it is commonly called azur Errors and Omissions Insurance and covers azur a service provider for claims made azur against them that arise out of azur the performance of specified professional services. azur For instance, a web site designer azur can obtain E&O insurance to cover azur them for certain claims made by azur third parties that arise out of azur negligent performance of web site development azur services. he contract the parameters and azur after following through. The loss must azur not be catastrophic: If the insurer azur is insolvent, it will be unable azur to pay the insured. In the azur United States, there is a system azur of Guarantee Funds that run at azur the state level to reimburse insured azur people whose insurance companies have become azur insolvent. [1] This program is run azur by the National Association of Insurance azur Commissioners (NAIC). [2] To avoid catastrophic azur depletion of their own capital, insurers azur almost universally purchase reinsurance to protect azur them against excessively large accumulations of azur risk in a single area, and azur to protect them against large-scale catastrophes. azur Additionally, “speculative risks” like those incurred azur through gambling or through the purchase azur of company stocks are uninsurable. A azur property or liability insurance policy is azur a "personal contract," a "conditional contract," azur a "unilateral contract," a "contract of azur adhesion," a "contract of indemnity," and azur a contract which requires that the azur person insured have an insurabl

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