I do not work in insurance business but I can see the key difference between insuring of your liabilities and hedging of your income.
Insuring of income (as in clicks from a website or potential earnings) would be strange. Insurance is not designed for that (the idea is to help in difficult circumstances, to keep s business running, to leave family at certain level of income/living in home). Insurance developed as "mutual help"
You can borrow against your projected income (and then insure the loan/liability).
On the other hand, insurance should not necessarily reflect ONLY fixed assets. If I am "worth" 2.5 millions and ready to pay a premium for it -- then why not.
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timeasmymeasure
no subject
Date: 2007-09-21 01:25 am (UTC)Insuring of income (as in clicks from a website or potential earnings) would be strange. Insurance is not designed for that (the idea is to help in difficult circumstances, to keep s business running, to leave family at certain level of income/living in home). Insurance developed as "mutual help"
You can borrow against your projected income (and then insure the loan/liability).
On the other hand, insurance should not necessarily reflect ONLY fixed assets. If I am "worth" 2.5 millions and ready to pay a premium for it -- then why not.