Stan Kearby Insurance Agency

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Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. The Insurer is the company that sells the insurance, through us the Agent. The Insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage.