States beg insurers not to drop climate-threatened homes

In the coming years, climate change could force Americans from their homes, not just by raising sea levels, worsening wildfires and causing floods—but also by putting insurance coverage out of reach.

Wage insurance: A promising policy for displaced workers

Each year, millions of workers are displaced due to technological advancements, international competition, offshoring, and regulatory changes. These shifts can devastate workers, particularly those with specialized skills ...

Air quality alerts are a climate change alarm

The sky over Minnesota was the subject of fascination and frustration over the weekend. Awe over solar-storm triggered northern lights turned to "Aw, not again!" over an air quality alert sparked by smoke drifting from wildfires ...

Experts address gaps in Canada's proposed flood insurance program

A pair of University of Waterloo flood disaster experts have published an analysis on the federal government's national flood insurance program that finds the proposed plan can do more to make insurance abundant and affordable ...

The costs of workplace violence are too high to ignore

Violence and harassment on the job are all too common: More than 1 in 5 workers worldwide have experienced it, according to the International Labor Organization, with women slightly more likely to be affected than men. In ...

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Insurance

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

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