Mediterranean 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.

The Mediterranean Sea is a sea connected to the Atlantic Ocean, surrounded by the Mediterranean Basin and almost completely enclosed by land: on the north by Western and Southern Europe and Anatolia, on the south by North Africa, and on the east by the Levant. The Mediterranean Sea covers an area of about 2,500,000 km2 (970,000 sq mi), representing 0. 7% of the global ocean surface, but its connection to the Atlantic via the Strait of Gibraltar—the narrow strait that connects the Atlantic Ocean to the Mediterranean Sea and separates the Iberian Peninsula in Europe from Morocco in Africa—is only 14 km (9 mi) wide. In oceanography, it is sometimes called the Eurafrican Mediterranean Sea, the European Mediterranean Sea or the African Mediterranean Sea to distinguish it from mediterranean seas elsewhere. The countries surrounding the Mediterranean in clockwise order are Spain, France, Monaco, Italy, Slovenia, Croatia, Bosnia and Herzegovina, Montenegro, Albania, Greece, Turkey, Syria, Lebanon, Israel, Egypt, Libya, Tunisia, Algeria, and Morocco; Malta and Cyprus are island countries in the sea. In addition, the Gaza Strip and the British Overseas Territories of Gibraltar and Akrotiri and Dhekelia, as well as the autonomous regions of Andalusia (Spain), Athos (Greece), Balearic Islands (Spain), Catalonia (Spain), Corsica (France), Federation of Bosnia and Herzegovina (Bosnia and Herzegovina), Friuli-Venezia Giulia (Italy), Sardinia (Italy) and Sicily (Italy) and the disputed territory of Northern Cyprus, have coastlines on the sea. The drainage basin encompasses a large number of other countries, the Nile being the longest river ending in the Mediterranean Sea. Countries in Mediterranean - Albania, Algeria, Bosnia and Herzegovina, Croatia, Cyprus, Egypt, France, Greece, Israel, Italy, Lebanon, Libya, Malta, Monaco, Montenegro, Morocco, Slovenia, Spain, Syria, Tunisia, and Turkey.