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This chapter introduces the key ideas and terms used in property and casualty insurance. These concepts help us understand one simple goal. How insurance protects people from financial loss. And how risk is managed in everyday life. Let us begin with the general principles of insurance. First, the Law of Large Numbers. This idea is simple but powerful. The more people an insurance company covers… the easier it is to predict losses. Think of it this way. If only ten houses are insured, one fir

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