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Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.
It stands for Kidnapping and Ransom Insurance.
Pretty interesting article on this topic that doesn't get talked about much. :)
The business of kidnapping: inside the secret world of hostage negotiation
Do you all have firearms added to your HOI policy? I started of with a cheap shot gun then a budget pistol. Over time things started to snowball but it didn't occur to list them.
Are they something that balloons the cost of coverage?
Not sure if this has come up in here or not but I'm looking for a good firearms insurance company. Preferably one that covers accessories as well as ammunition. Does anyone know of any reputable companies?
After reading through the other post discussing options, I'm really interested to know what company NWFA members put their money behind.
I tried to get the major options I found listed. Please comment if you select other and let us know what I missed.
ECONOMIC WARFARE: California tells NRA to stop selling insurance policy. “California has ordered the National Rifle Association to stop selling an insurance policy that covers legal costs for injury or damage from legally using a gun. . . . The order refers to the Self-Defense Insurance Policy...
Grabbing an Uber? Now You Can Buy Your Own Insurance for the Ride
Sure Inc., has developed a product for passengers to purchase accident and death coverage on an on-demand, per-day basis via a smartphone application. It covers costs of injuries sustained when traveling in a ride-sharing...
So, I am getting the ducks in a row for an FFL side business. I reached out to the insurance agent that handles most of our insurance polices (e.g., life, home, etc.). He told me State Farm would not offer liability insurance to an FFL. He didn't know of one that would, but suggested an...
What do you do about legal insurance if you carry and have to use it in self-defense? Do you have general legal insurance coverage (e.g. LegalShield), or do you carry specific coverage for criminal defense in a DGU situation (NRA)? The coverage offered by the NRA is almost as expensive as full...
I have been looking at different firearm and equipment (magazines/ammo/optics/etc) insurance and wanted to ask the group what they use and why. I would like to find a company that blankets (I know it will be more expensive) the amount over everything and does not require serial numbers. If it...