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现代保险起源于14世纪后半叶的意大利,和日益发展的海上贸易息息相关。海上贸易能够获利,但是遇到不测的机会也很多。在长期的航海实践中,逐渐形成了由多数人分摊海上不测事故所致损失的方式——共同海损分摊。这些原则的制度化,形成了最初的海上保险。1666年9月2日,伦敦城被大火整整烧了5天,市内448亩的地域中373亩成为瓦砾。这次大灾难,加速了保险“由
Modern insurance originated in Italy in the second half of the 14th century and is closely linked to the growing maritime trade. Maritime trade can be profitable, but there are many opportunities for unexpected events. In the long-term practice of navigation, the way of sharing the loss caused by the unexpected accident at sea by the majority is gradually formed. The institutionalization of these principles formed the first maritime insurance. On September 2, 1666, London City was completely blasted for five days by fire and 373 acres of 448 acres of the city became rubble. The catastrophe, accelerated insurance ”by