Uncovered

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In Uncovered, Katherine Hempstead explores the history of the insurance business and its regulation in the United States from the 1870s through the twentieth century. Tracing the history of the industry from the early days of life, fire, and casualty insurance to the development of state regulation in the late nineteenth century, Hempstead highlights the major role states play in insurance regulation that has made it harder to solve important problems and the crucial social role that insurance has always played in American politics.

Contenu

• Introduction

• Chapter 1: Birth of a Business: Fire and Life Insurance in the Nineteenth Century

• Chapter 2: A Permanent Body of Barnacles: The Beginning of State Regulation

• Chapter 3: The Road to Armstrong: Life Insurance in the Progressive Era

• Chapter 4: The Life Insurance Moment: The Problem of Unmet Demand

• Chapter 5: Collusion and its Discontents: Fire Insurance in the Progressive Era

• Chapter 6: Little Fires Everywhere: The Battle Over Fire Insurance Rates

• Chapter 7: Accidents and Mishaps: The Early Days of Casualty Insurance

• Chapter 8: Private Governments: Property and Casualty Owners Meet the Federal Government

• Chapter 9: From Public Service Organization to Squirrel Cage Operation: Life Insurances Meets the New Deal

• Chapter 10: Stuck in the Age of Containment: The Piecemeal Development of Health Insurance

• Chapter 11: Clean Risks: Who Deserves Auto Insurance?

• Chapter 12: Hard Markets: Navigating Catastrophes

• Epilogue

• Acknowledgements

• Index