Bank Of America - Spencer, IA - Phone: (712) 262-2200
Bernardy- Brad - Spencer, IA - Phone: (712) 262-9554
Chuck Lange Insurance - Spencer, IA - Phone: (712) 262-1004
Hollenkamp Insurance Services - Spencer, IA - Phone: (712) 262-5276
Northwest Consultants Spencer Insurance - Spencer, IA - Phone: (712) 262-8000
Ogburn- Gary A - State Farm Insurance Agent - Spencer, IA - Phone: (712) 262-1376
Orwig Deanna All Risk Federal Crop Insurance - Spencer, IA - Phone: (712) 262-6550
Security Land Title Company - Spencer, IA - Phone: (712) 262-1074
Telco Triad Community Credit Union - Spencer, IA - Phone: (712) 262-4194
Thrivent Financial for Lutherans - Spencer, IA - Phone: (712) 262-8451
Insurance, in Spencer,denotes a service primarily meant for risk management that provides financial assistance during an unexpected loss or transfers the risk of a loss equitably, from one entity to another, in exchange for payment. An insurance company in Spencer sells the insurance to its client, called insured, or policyholder, who is the person or entity buying the insurance policy. The factor called 'Insurance rate' determines the amount to be charged for a certain deal of insurance coverage, which is called the premium.
Insurance pools funds from many insured entities or exposures to pay for the losses incurred & thus protects the insured entities from the risk of paying a fee, the amount of which may depend upon the frequency and severity of the event occurring.
Insurance can be provided by private companies to cover the risks, typically sharing seven common characteristics:
1. Large number of similar exposure units
2. Definite loss
3. Accidental loss
4. Large loss
5. Affordable premium
6. Calculable loss
7. Limited risk of catastrophically large losses
The legal principles of an insurance policy generally include- Indemnity, Insurable interest, Utmost good faith, Contribution, Subrogation & proximate cause. Insurance may be provided for various tangible & intangible properties, such as- Home insurance, Vehicle or auto insurance, Health insurance, Accident, sickness & unemployment insurance, Casualty insurance, Life insurance, Property, Liability or Credit Insurance & closed-community self-insurance.
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