Insurance history

      Insurance beginning in the world. 
Insurance concept in the world started around year 2250 BC.By the Babylonians who lived in the valley of the river Euphrates and Tigris.
At that time, if a shipowner requires funding to operate its ships to conduct a trading business, they can borrow money from a rich merchant ship .... by using them as collateral.In this transaction there is an agreement mutually agreed.

 Other than that used as collateral vessels, cargo goods, also can be made as collateral 
Finally, the transaction is growing and growing,
Meanwhile, in the year 215 BC, the Roman government also apply the concept to protect them against any   risk of loss on those goods which are on board, as a result of a maritime hazard.
The same thing happened in the time of Emperor Claudius, who also had issued a guarantee to the importers against any losses they suffered due to the storm.In this case the insurance premiums are.
Started around the year 200 AD, at the Roman growing societies, associations, called collegia, conducting social ,her one right gathering funds for funeral expenses of its members, dead or killed on the battlefield.
While for the brothers and actors in italia shape that called collegia collegia tennorioum.dengan intention to help its members were widowed and children orphaned.
The development of the human economy, from year to year, then, began to set up institutions like insurance. 
D later in the reign of Queen Eleanoar from belgium, (1194-1266) is in the form of insurance laws..... 
Later in 1668 AD, at the coffee house london, stand Lloyd of london. as a forerunner of conventional insurance.
 The growing insurance so we know it is today.That glimpse of the history of the beginning of his form of insurance.