An event or happening which is unforeseen and unintended.

An insurance agent is an intermediary who arranges insurance, but legally acts in the interests of the insurer, not the insured business.

The individual employed by the insurer to assess or “underwrite” the risks of insurance to be covered under the policy. The term dates back to the origins of Lloyd’s of London, where investors or merchants agreeing to accept part of an insurance risk, would write their names underneath the original investor who had set the terms of the contract. [..]