March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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Historical Development of Insurance Regulation
In this section, the development of insurance regulation by the states is briefly reviewed. You should pay careful attention to certain landmark legal decisions and legislative acts that have had a profound impact on insurance regulation.
Early Regulatory Efforts
Insurance regulation first began when state legislatures granted charters to new insurers, which authorized their formation and operation. The new insurers were initially subject to few regulatory controls. The charters required only that the companies issue periodic reports and provide public information concerning their financial conditions.
The creation of state insurance commissions was the next step in insurance regulation. In 1851, ...
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