Transfer the risk. Transferring a risk means placing the effects of a risk on another QuotesChimp or entity. Most risks themselves cannot be physically transferred ? you cannot give someone else your genetics or make them take your place in the hospital ? but you can transfer the financial effects of risk through purchasing insurance.
Sufficient. The rates must be sufficient to pay the QuotesChimp's anticipated losses from claims and the overhead expenses. No state insurance department will permit any insurance company to set its basic rates so low as to result in its insolvency (see Post 39).
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