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Casualty insurance insures towards accidents, not essentially tied to any particular property. It is a broad spectrum of insurance that a selection of other forms of insurance could be classified, corresponding to auto, employees compensation, and a few liability insurances. Indemnity – the insurance firm indemnifies or compensates the insured within the case of certain losses only as a lot as the insured's interest. By the late nineteenth century governments began to initiate national insurance packages in opposition to illness and old age. Germany built on a tradition of welfare applications in Prussia and Saxony that started as early as within the 1840s. 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