History

Three-Fourths Value Clause in Property Insurance
Understand the nearly obsolete three-fourths value clause, which restricts insurers from paying more than three-fourths of the cash value of the insured property.
Industrial Life Insurance: Understanding Small Amount, High Frequency Premiums
Discover the essentials of Industrial Life Insurance, including its unique coverage amounts of less than $1,000 and the regular premium collection schedules.
Thaisoi in Ancient Greek Society: The Precursor to Health and Life Insurance
Explore Thaisoi, an ancient Greek institution that laid the foundations for modern health insurance and life insurance. Delve into its historical impact and influence on today's insurance frameworks.
New York Standard Fire Policy: Coverage and History Explained
Learn about the New York Standard Fire Policy, a foundational property insurance contract that covered fire and lightning losses and served as a precursor to modern insurance forms.
Paul vs. Virginia - Landmark Supreme Court Decision on Insurance Regulation
Learn about the 1869 Paul vs. Virginia decision, where the US Supreme Court ruled that insurance is not commerce and thus not federally regulated, a stance reversed in 1944.