The term “insurance” refers to a guarantee against material loss. The process of insuring property or ventures against loss involves an insurer which promises to pay out a benefit (normally a sum of money) to another party (the insured) if specific hazards occur.

In exchange, the policyholder normally pays the insurer a fee known as the premium. The contract through which the insurer agrees to hedge the insured against specific material losses is known as an insurance policy.

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