Central Africa insurance tenders

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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.

Central Africa is a subregion of the African continent comprising various countries according to different definitions. Angola, Burundi, Cameroon, the Central African Republic, Chad, the Democratic Republic of the Congo, the Republic of the Congo, Equatorial Guinea, Gabon, Rwanda, and São Tomé and Príncipe are members of the Economic Community of Central African States (ECCAS). Middle Africa is an analogous term used by the United Nations in its geoscheme for Africa. The main economic activities of Central Africa are farming, herding and fishing. Crop production based on rain is possible only in the southern belt. Slash-and-burn agriculture is a common practice. Flood recession agriculture is practiced around Lake Chad and in the riverine wetlands. Nomadic herders migrate with their animals into the grasslands of the northern part of the basin for a few weeks during each short rainy season, where they intensively graze the highly nutritious grasses. When the dry season starts they move back south, either to grazing lands around the lakes and floodplains, or to the savannas further to the south. Fisheries have traditionally been managed by a system where each village has recognized rights over a defined part of the river, wetland or lake, and fishers from elsewhere must seek permission and pay a fee to use this area. Oil is also a major export of the countries of northern and eastern Central Africa, notably making up a large proportion of the GDPs of Chad and South Sudan. Countries in Central Africa are Angola, Cameroon, Central African Republic, Chad, DR Congo, Republic of the Congo, Equatorial Guinea, Gabon, São Tomé and Príncipe, Rwanda, Burundi.