Domestic and foreign.
Proprietary and cooperative.
Direct writer and exclusive writer.
Admitted and nonadmitted.
Reciprocal insurance exchanges.
Stock insurance companies and mutual insurance companies are owned by the policyholders.
The main reason that cooperative insurers are formed is to earn a profit for their owners.
Lloyd's and insurance exchanges are each examples of an insurance marketplace.
Most pools that are required by law are underwritten by state governments.
An American Lloyds insurer
A cooperative insurer
An insurance exchange
Obtain coverage through an independent broker
Obtain coverage through the state's reinsurance pool
Obtain coverage through a risk retention group
Obtain coverage through his state's residual market
Surplus lines insurers.
Risk retention groups
Reciprocal insurance exchanges
Provides property coverage over which the individual has control of the crime area
State-run plans with cost spread among private insurers in the state
Federally run plans with cost spread among private insurers in the state
Provides property and auto insurance for high crime areas
Residual market plan.
Lloyd's of London
Reciprocal insurance exchange
Wind damage from hurricanes paid by the pool
Wind damage from hurricanes and other windstorms paid by the pool
Wind and flood damage from hurricanes paid by the pool
All windstorm losses paid by Argot except windstorm from hurricanes paid by the pool.
The expense associated with complying with state insurance regulations is minimal.
The goal of diversifying risk conflicts with the goal of earning a profit.
The goal of meeting customers' needs does not often conflict with the goal of earning a profit.
A proprietary insurer must earn competitive profits to raise the capital needed to operate.
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