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Insurance

Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. it is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. an insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. the amount of money to be charged for a certain amount of insurance coverage is called the premium.