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Empresas de seguros en la forma más simple se remonta a la civilización temprana, si un buque fue alcanzado por los piratas y perdió su propietarios de la carga de otros barcos que arrimar el hombro para ayudar. Aunque una idea simple es el formato de una gran cantidad de las políticas actuales, proteger el inventario de negocios y reducir los riesgos.

Algunas de las pólizas de seguro de primera formales donde los comerciantes británicos que se suscriben peligrosos viajes en el extranjero. Fue a los suscriptores que perfeccionaron el arte de escribir las políticas y la venta de políticas con el tiempo por el seguro se hizo más complicado y los aseguradores especializados en suscripción. Venta de las políticas que había que hacer por otras personas, por tanto agentes.

Después del gran incendio de Londres, la compañía de seguros primero se abrió en 1667. Más tarde en los Estados Unidos Benjamin Franklin abrió la primera compañía de seguros en 1752. Benjamin Franklin, un hombre de negocios muy astuto por el riesgo de incendios no aseguraría estructuras construidas totalmente en madera.

Así que incluso en el seguro de época temprana fue lo bastante simple ocurrir incendios, inundaciones, robos y para los individuos y las empresas tendrían que estar asegurados frente a estos desastres. Más de negocio a tiempo llegó a ser más complicado y de seguro tenía que seguir. Esto significaba que la mayoría de empresas necesitan una política de Responsabilidad y Política de Empresa del propietario. Responsabilidad que proteger a las empresas de cualquier demanda provocada por los individuos. Política de Empresa del propietario realmente proteger el negocio de perder de incendio, inundación y robo.

En 1897 la indemnización por accidentes del trabajo se aprobó la Ley de Gran Bretaña. Este hecho obliga a las empresas a asegurar a sus empleados. Esto se sentaron las bases para el seguro de Responsabilidad Corporativa presente.

Hacer negocios nos expone a riesgos tan seguro es necesario. Al igual que un fuego puede consumir un hogar sin seguro de una demanda puede arruinar a una empresa.

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