This blog deals mainly with what is referred to in the insurance industry as property/casualty coverages. For consumers, this means homeowners, auto, and tenants’ policies. For small business owners, this means the simpler forms of commercial policies, represented generally by so-called business owners policies. Some basic concepts of life insurance policies are explained. Disability policies, as well as health insurance policies and managed care plans, are also discussed briefly. This book attempts to cover a huge body of information in the space of a consumer guide. Reconciling these conflicting goals was a difficult task. There are few uniform national standards or laws that apply to the business of insurance. As explained in this book, there is no single business of insurance. There are at least three businesses of insurance:

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