Although insurance has existed for thousands of years, it is only over the last or so years that the insurance industry has really taken shape into the form that we recognize today. In order to investigate the growth of the insurance industry, your history of the insurance industry research paper should focus on insurance companies as they existed in the early 's and as they exist years later. Around , the biggest issue that plagued most insurance companies was that they were relatively new. However, the insurance industry was just getting established outside of very small insurers. As a result, many of these organizations had difficulty raising the capital needed to be able to effectively cover their clients if the need arose. In , most insurers tended to focus only on a single market, which limited their potential to some degree.
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Abstract Catastrophic fire accidents in public assembly places always result in heavy casualties. The owners or users of the burned buildings who have suffered great property losses and casualties usually can not afford a vast sum of compensation money. Besides, the financial expenditure of governments is too limited to ensure fair compensation and reimbursement.