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I have just posted at my Locals.com community, the beginning of “What is Insurance”, that is the first installment which begins as follows:

What is Insurance?

I have just posted at my Locals.com community, Zalma on Insurance, that is the first installment on an article on the question of “What is Insurance” which begins as follows. If you wish to read this, and follow-up postings that will include everything from the treatise, Zalma on Insurance, you must subscribe to my locals.com account at: https://zalmaoninsurance.locals.com/

Insurance policies are contracts. To form a contract, an insurer must make an offer that is accepted by a potential insured who then pays consideration – premiums – for the promises made by the insurer. Insurance contracts, like all contracts, can only exist if there is an offer, acceptance of the offer and payment of consideration.

An insurance contract exists when an insurer and the insured agrees that the insurer will provide indemnity to the insured as a result of a contingent or unknown event that causes loss to the insured.

© 2021 – Barry Zalma

Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders.

Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com and “Excellence in Claims Handling” at https://barryzalma.substack.com/welcome.

You can contact Mr. Zalma at https://www.zalma.com, https://www,claimschool.com, [email protected] and [email protected] . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.