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Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. Policyholder and insured are often used as but are not necessarily synonyms, as coverage can sometimes extend to additional insureds who did not buy the insurance. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured, or their designated beneficiary or assignee. The amount of money charged by the insurer to the policyholder for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.

The Americas, which are sometimes collectively called America, are a landmass comprising the totality of North and South America. The Americas make up most of the land in Earth's Western Hemisphere and comprise the New World. Along with their associated islands, the Americas cover 8% of Earth's total surface area and 28. 4% of its land area. The topography is dominated by the American Cordillera, a long chain of mountains that runs the length of the west coast. The flatter eastern side of the Americas is dominated by large river basins, such as the Amazon, St. Lawrence River–Great Lakes basin, Mississippi, and La Plata. Since the Americas extend 14,000 km (8,700 mi) from north to south, the climate and ecology vary widely, from the arctic tundra of Northern Canada, Greenland, and Alaska, to the tropical rain forests in Central America and South America. Countries in America are U. S. A. , Mexico, Canada, Guatemala, Haiti, Cuba, Dominican Republic, Honduras, Nicaragua, El Salvador, Costa Rica, Panama, Jamaica, Puerto Rico, Trinidad and Tobago, Guadeloupe, Belize, Bahamas, Martinique, Barbados, Saint Lucia, Curaçao, Grenada, Saint Vincent and the Grenadines, Aruba, United States Virgin Islands, Antigua and Barbuda, Dominica, Cayman Islands, Bermuda, Greenland, Saint Kitts and Nevis, Sint Maarten, Turks and Caicos Islands, Saint Martin, British Virgin Islands, Caribbean Netherlands, Anguilla, Saint Barthélemy, Saint Pierre and Miquelon, Montserrat, Brazil, Colombia, Argentina, Peru, Venezuela, Chile, Ecuador, Bolivia, Paraguay, Uruguay, Guyana, Suriname, French Guiana, Falkland Islands.