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* Casualty insurance insures biaxin against accidents, not necessarily tied to biaxin any specific property. * Property insurance biaxin provides protection against risks to property, biaxin such as fire, theft or weather biaxin damage. This includes specialized forms of biaxin insurance such as fire insurance, flood biaxin insurance, earthquake insurance, home insurance, inland biaxin marine insurance or boiler insurance. biaxin * Terrorism insurance can biaxin work.However, most societies could not effectively biaxin support this type of system, and biaxin the system will not work for biaxin large risks. For very large risks, biaxin Western insurance can also run into biaxin difficulties. This is the reason why biaxin most U.S. homeowner's insurance does not biaxin cover floods. A company that sells biaxin homeowner's insurance in a given city biaxin can accurately estimate the number of biaxin claims it would have to pay biaxin due to fires, tornadoes, and other biaxin smaller-scale disasters. However, a flood may biaxin impact a large percentage of the biaxin city and the company might be biaxin unable to deal with this. A biaxin prime example of this is the biaxin flooding in New Orleans as a biaxin result of Hurricane Katrina. For the biaxin same reason, losses due to war biaxin and earthquakes are generally excluded. In biaxin the case of floods and earthquakes biaxin (which are smaller-scale than war) homeowners biaxin can purchase separate insurance from national biaxin companies with larger resources, which are biaxin able to distribute the risk across biaxin regions rather than individual buildings.In gaming biaxin or gambling, the game

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ctively. Chinese merchants traveling biaxin treacherous river rapids would redistribute their biaxin wares across many vessels to limit biaxin the loss due to any single biaxin vessel capsizing. The Babylonians developed a biaxin system which was recorded in the biaxin famous Code of Hammurabi, c. 1750 biaxin BC, and practiced by early Mediterranean biaxin sailing merchants. If a merchant received biaxin a loan to fund his shipment, biaxin he would pay the lender an biaxin additional sum in exchange for the biaxin lender's guarantee to cancel the loan biaxin should the shipment be stolen.Achaemenian monarchs biaxin were the first to insure their biaxin people and made it official by biaxin registering the insuring process in governmental biaxin notary offices. The insurance tradition was biaxin performed each year in Norouz (beginning biaxin of the Iranian New Year); the biaxin heads of different ethnic groups as biaxin well as others willing to take biaxin part, presented gifts to the monarch. biaxin The most important gift was presented biaxin during a special ceremony and when biaxin a gift was worth more than biaxin 10,000 Derrik (Achaemenian gold coin weighing biaxin 8.35-8.42) the issue

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