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Insurance is defined as the equitable transfer of risk from one entity to another in exchange for a premium. Early forms of insurance date back to ancient Chinese, Babylonian, and Roman civilizations, where merchants and traders distributed risk. Modern insurance began in the late 17th century with the establishment of the first fire insurance companies in London and the US. Regulation of insurance is highly decentralized, with each state having its own insurance department that oversees the industry.

Author

Utsav Vayda

Language

EN