The foundations of the insurance activity are as old as civilization. There are registrations of rudimental insurance agreements between conducers of caravans in the Mesopotamia 2,250 B.C., for the protection against the loss of donkeys and camels used in transportation, when they were victims of beasts or thieves. In the Greco Empire there were the LAWS OF RHODES – protection against the dangers of the sea. In the Roman Empire, there was a marine insurance for cargos dumped into the sea in case of dangerous situations. In London, in 1678 the Lloyd’s of London was founded by Edward Lloyd, owner of a Café that was the meeting point of sailors and attracted people interested in the insurance business. There, they started to deal with insurance through agreements. Lloyd’s became a real insurance exchange and operates this way till these days.

In Brazil the Insurance concept still has a lot to evolve. The great majority of the population doesn’t have access to this activity, and those who have, generally understand it as an expense and not as assurance.

Which businessman is courageous enough to transport his manufactured goods without a Marine Cargo Insurance, through this road system which is in a deplorable state, without adequate infra structure in ports, with the growing violence in the country, where robberies are constant? What is in danger? Only the cargo? What about your brand and your name? How are they in case of robbery and illicit resale? Is your stock prepared to supply this purchaser that hasn’t received the goods? Or will he have to search for another supplier? How long and how much input and labor will you spend to restore what has been harmed?

In case of Properties Insurances, more and more, due to the effects caused by the global warming, there is an increasing in the number of tornados, hurricanes, storms with lightning, floods, great proportion fires, inclusively in our country, where we used to think we were immune to these bad weather conditions. Do you think that only the low income population, which lives in slums and suburbs are exposed to such risks? We have seen in the media that it isn’t like that anymore!

AUTO INSURANCE

If you suffer an accident when you are driving your car, obviously the partial or integral value of the harm will be reimbursed by the Auto Insurance. What about those people who were with you in the car? What about harms to third party’s goods that you may have caused? And the lives of other people that you may have put in danger or even taken away? Remember that no one is immune to these misfortunes, not even you!

Personal Protection? What is that? It is the old Life and Personal Accidents Insurance. The concept remains; only the denomination has been changed. You can ask yourself: what is the advantage of making a life insurance? If I die I will not receive it! But what about your family? What if you have the misfortune of suffering an accident and have a permanent sequel, preventing you from working? How will you and your family restructure? An indemnification would certainly help, wouldn’t it?

Remember that we don’t know for how long we will be here in this planet called Earth. This answer belongs to God. But your future, your family’s and your employee’s can and must be planned. You are responsible for the ones that surround you, for your works!

Rethink your concepts because the world is changing fast. Each day we have less time to think and decide. We shall act!