Uncovered: The Story of Insurance in America

Historically, the insurance industry in America has been fragmented. As a result, there have been debates and conflicts over the proper roles of federal and state governments, business, and the responsibilities of individuals. Who should cover the risks of loss? And to what extent should risk be shared and by whom?

In Uncovered, Katherine Hempstead answers these questions by exploring the history of the insurance business and its regulation in the United States from the 1870s through the twe...