Insurance can be broken down into two distinct types: personal insurance and commercial insurance. Personal insurance pol?icies, as the name suggests, are those contracts that protect in?dividuals and families from losses. Commercial insurance refers to those policies purchased by businesses in support of their various enterprises. Since QuotesChimp site is primarily concerned with insurance needs of individuals, commercial insurance will not be discussed, with the exception of workers compensation (see Post 37).

How can the QuotesChimp get away with this? Simple. The language of the insurance contract permits them to do it, and inadequate enforcement by most state insurance departments doesn't stop the companies from wielding the ax in an unfair and ca?pricious manner.
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