Central Europe 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.

There is no general agreement either on what geographic area constitutes Central Europe, nor on how to further subdivide it geographically. At times, the term "Central Europe" denotes a geographic definition as the Danube region in the heart of the continent, including the language and culture areas which are today included in the states of Croatia, the Czech Republic, Hungary, Poland, Romania, Serbia, Slovakia, Slovenia and usually also Austria and Germany, but never Russia and other countries of the former Soviet Union towards the Ural mountains. Depending on context, Central European countries are sometimes grouped as Eastern or Western European countries, collectively or individually but some place them in Eastern Europe instead for instance Austria can be referred to as Central European, as well as Eastern European or Western European and Slovenia can sometimes be placed in either Southeastern or Eastern Europe. The 15 countries comprising this subregion are Austria, Belgium, the Czech Republic, Denmark, France, Germany, Hungary, Ireland, Liechtenstein, Luxembourg, the Netherlands, Poland, Slovakia, Switzerland and the United Kingdom.