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The first U.S. insurance plans were organized around membership in an organization. In 1736 the Friendly Society, operating under a Royal Charter from England, was formed as a mutual company in South Carolina. It covered the fire losses of its members, who contributed directly to.

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But its efforts were unsuccessful. Apparently people were not ready to buy this new product through the mail. As the industrial revolution progressed, the growing complexity of the business world spurred the growth of the insurance brokerage business. Most of the countrys major brokerages came.

An employee was on an allowed lunch break. When he went just across the street from where he was working to eat his sandwich, he was injured. Should he get workers.

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