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To: KLP who wrote (111972)4/30/2005 11:13:42 PM
From: haqihana  Respond to of 793955
 
KLP, The insurance industry has changed a lot in any kind of coverage. The beginnings of insurance, I think in England, it was considered that the companies were taking a risk that the ships would return in one piece, and with it's cargo. Today, the insurance companies have excellent actuaries, with the latest in computers, and soft ware, who can almost make an absolute absence of any risk to the company, and use this information to set the premiums to make sure of it.


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