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Managing Risk Since Early History

In the 1300s, merchants and traders in Babylonia pooled their risk to prevent major losses of cargo to thieves and pirates. Chinese merchants also pooled their risk when moving cargo down rapid rivers during this time. The Amish historically pool their effort to help restore a neighbor’s barn after it is destroyed by fire.

In the 1600s: Lloyds of London began in a coffee house in 1688, by meeting with investors to protect ships & cargo.

In the 1700s: Ben Franklin in 1752, established the first fire insurance company in America to protect homes and businesses.

In the 1800s: Began the more modern casualty insurance that protected railroad passengers after accidents. The Travelers Insurance Company wrote its first railroad casualty policy in 1864.

The common purpose of all insurance is to restore losses and develop greater standards to limit future losses over every industry around the world. Before insurance there was little or no quality standards and a greater severity of accidents without restitution. Injured parties had very limited options to restore their quality of life or businesses.

Nobody wishes to pay insurance premium charges until the risk for severe property or casualty losses can be considered. The key is to balance the overall risk with the ability to recover after an unforeseen accident or loss. In the medical industry since the late 1800s, medical malpractice insurance has helped to advance quality standards of care for patients and to protect healthcare professionals when unfortunate medical errors lead to harm or loss.

Patients do not care how much you know until they know how much you care.  Sir William Osler, M.D.

Aviso Insurance is an independent agency that works for YOU, the medical expert. We have access to nearly all the medical malpractice insurance markets to serve you.

“At Aviso Insurance, we are proud to serve the many heroic professionals in our healthcare community.”

Dan Reale, Independent Agent/Owner – Office: (407) 808-6149 – E-Mail: [email protected]