The requirements of insurance

But already in 1850 the new insurance society Of accidental Of death Of insurance Of company achieved an insurance against any solid damages, caused, any reason. It set the differentiated insurance reward in the dependence on the insurance event (death or temporary incapacity to the labor) and thus demarcated personal insurance to life insurance (this form it was widely known and earlier) and insurance against accidents. Subsequently company published the table of reward with the loss of one or other term or another, for example, 260 of pounds sterling for loss of both of eyes either both of feet, 100 of pounds sterling for the loss of one eye or one foot and so forth (with the size of the insurance reward of order 3 - 4 of pounds sterling). But is most intensively insurance against accidents began to be developed in England because of the adoption in 1880 of the normative report about the civil liability of owners. In the subsequent 15 years not less than 100 insurance societies arose and insurance against accidents occupied worthy place next to life insurance and fire insurance. The legislation, which laid the civil liability on the owners for the consequences of accident in the production, is working, played large role in the development of this class of insurance and in other states. Collective insurance of workers became for the owners inevitable.

In Germany the insurance against accidents originates from the 50th years of 19 centuries, when some societies of life insurance studied it as by side-line branch. The adoption of law about civil liability of 1871 became push, four mutual and three public companies of insurance against accidents after which arose. In parallel with collective insurance in Germany began to be developed individual insurance against accidents.

In Russia as the catalyst of personal insurance served the law of *[O] reward, that suffered as a result of the accidents of workers and the employees, and is equal the members of their families by the enterprises of factory and plant, mining and mining-metallurgical industry, taken on June 2, 1903. After its adoption began rapidly to be developed first collective, and it is later - individual insurance against accidents by means of the joint-stock social.