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This web page maryanns-island.blogspot.com states the following, "Insurance is a critical part of the risk management system for a business." We saw that the webpage said " It is a way to protect yourself against unforeseen losses." It also said " An insurance policy is a legally binding contract with an insurer to provide compensation for a specified damage, loss, or injury suffered by you business in return for a sum of money premium paid. The Social Security Act and related laws established a number of programs which have the basic objectives of providing for the material needs of individuals and families, prot."