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About the application:

Insurance is a means of safety from financial loss. It is a form of risk management, primarily used to hedge versus the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively little loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the happening of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship. The insured receives a contract, called the insurance policy, which info the conditions and circumstances under which the insurer will compensate the insured. The amount of cash charged by the insurer to the insured for the coverage set forth in the insurance policy is called the bonus. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. The insurer may hedge its own risk by taking out reinsurance, whereby other insurance company agrees to carry some of the risk, especially if the basic insurer deems the risk too really big for it to carry. 5 Types 5.1 Auto insurance 5.2 Gap insurance 5.3 Health insurance 5.4 Income safety insurance 5.5 Casualty insurance 5.6 Life insurance 5.7 Burial insurance 5.8 Property 5.9 Liability 5.10 Credit