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" ... The idea of insurance goes back as far as 4000-3000 BCE as “bottomry,” or a marine contract that ship owners used to pool and share risk with other owners transporting goods, and in the 17th Century, Lloyds of London formed a marketplace for underwriters of marine insurance. Over time, the insurance industry has evolved to a global capacity, and some businesses self-insure selective risks such as health benefits and cyber liability. ... "