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Casualty insurance insures in opposition to accidents, not essentially tied to any specific property. It is a broad spectrum of insurance that numerous different kinds of insurance might be classified, similar to auto, staff compensation, and a few legal responsibility insurances. Indemnity – the insurance firm indemnifies or compensates the insured in the case of certain losses only up to the insured’s interest. By the late nineteenth century governments started to provoke nationwide insurance programs against illness and old age. Germany constructed on a convention of welfare programs in Prussia and Saxony that started as early as in the 1840s. In the Eighties Chancellor Otto von Bismarck introduced old age pensions, accident insurance and medical care that fashioned the basis for Germany’s welfare state.

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