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* Marine Insurance covers the loss maxalt or damage of goods at sea. maxalt Marine insurance typically compensates the owner maxalt of merchandise for losses sustained from maxalt fire, shipwreck, etc., but excludes losses maxalt that can be recovered from the maxalt carrier. * Locked Funds Insurance is maxalt a little known hybrid insurance policy maxalt jointly issued by governments and banks. maxalt It is used to protect public maxalt funds from tamper by unauthorised parties. maxalt In special cases, a government may maxalt authorise its use in protecting semi-private maxalt funds which are liable to tamper. maxalt Terms of this type of insurance maxalt are usually very strict. As such maxalt it is only used in extreme maxalt cases where maximum security of funds maxalt is required. eveloped.Toward the end of maxalt the seventeenth century, the growing importance maxalt of London as a center for maxalt trade led to rising demand for maxalt marine insurance. In the late 1680s, maxalt Mr. Edward Lloyd opened a coffee maxalt house which became a popular haunt maxalt of ship owners, merchants, and ships’ maxalt captains, and thereby a reliable source maxalt of the latest shipping news. It maxalt became the meeting place for parties maxalt wishing to insure cargoes and ships, maxalt and those willing to underwrite such maxalt ventures. Today, Lloyd's of London remains maxalt the leading market for marine and maxalt other specialist types of insurance, but maxalt it works rather differently than the maxalt more familiar kinds of insurance.Insurance as maxalt we know it today can be maxalt traced to the Great Fire of maxalt London, which in 1666 devoured 13,200 maxalt houses. In the aftermath of this maxalt disaster Nicholas Barbon opened an office maxalt to insure buildings. In 1680 he maxalt established England's first fire insurance company, maxalt "The Fire Office," to insure brick maxalt and frame homes.The first insurance company maxalt in the United States provided fire maxalt i

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* maxalt Casualty insurance insures against accidents, not maxalt necessarily tied to any specific property. maxalt f homogenous exposures considered, the more maxalt closely the losses reported will equal maxalt the underlying probability of loss. If maxalt the coverage is unique, the insured maxalt will pay a correspondingly higher premium. maxalt Lloyd's of London often accepts unique maxalt coverages. (e.g., the insuring of Tina maxalt Turner's legs and Jennifer Lopez's buttocks) maxalt The loss must be significant: The maxalt legal principle of De minimis dictates maxalt that trivial matters are not covered. maxalt Furthermore, rational insurance uses existing insurance maxalt when the transaction costs dictate that maxalt filing a claim is not rational. maxalt Actually, De minimis does not come maxalt into play here. The reality is maxalt that it costs too much to maxalt insure frequent and/or small losses. It maxalt is much more cost effective to maxalt not transfer small loss potential to maxalt insurance companies by taking the largest maxalt deductible that you can stand (given maxalt adequate price reduction). As for filing maxalt small claims, if the insurance company maxalt contractually should pay for it, you maxalt should file it. This is the maxalt difference between deciding before t

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