Insurance development occurred gradually. Certainly that eventually this branch was constantly improved, but its sources leave really in the remote past, and so that already will be simply unreal to establish accurately date of occurrence of insurance, as that.
Insurance
For example, a certain similarity of insurance existed for two thousand years B.C. Participants of trading caravans the fact of in advance made a reservation that in case of theft, an attack or other problems they will incur losses together. For example, such positions have been registered in the code of laws of tsar Hammurapi (ancient Babylon).
The insurance system of Roman empire was interesting., the so-called "rejuvenescence", subsequently accepted and the idea Here practised other people. Its essence consisted that were
Specialised boards, the introduction in which (certainly, with entering of a special preliminary payment) allowed families to receive the certain sum of money in case of death of someone from the members to pay expenses on burial. The approximate situation also was observed in the Middle Ages and in Germany in which specialised merchant guilds have been formed - they assisted people who have suffered a certain damage because of armed assaults or thefts.
In due course has started to occur also and isolation of some separate kinds of the insurance. Already in the beginning of the eighteenth century it was possible to allocate three its independent kinds. It was insurance upon fire, insurance upon cattle extinction, and also sea insurance. By the way, sea insurance has appeared in the thirteenth century and represented itself as a lawful consequence of development of trading sea navigation in such countries, as England, Holland, France, Spain and so on.
Technics and manufacture development has led also to expansion and strengthening of the insurance companies in some European countries, and also to increase in number of services which they offered. And there was a personal insurance, however because of original stratification in a society, this insurance has not received really a wide circulation - after all only units presumed to insure to themselves own lives against various accidents. Though, it is necessary to tell that insurers such nevertheless were.
