Southern 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.

Southern Europe is the southern region of Europe. It is also known as Mediterranean Europe, as its geography is essentially marked by the Mediterranean Sea. Southern Europe is focused on the three peninsulas located in the extreme south of the European continent. These are the Iberian Peninsula, the Italian Peninsula, and the Balkan Peninsula. These three peninsulas are separated from the rest of Europe by towering mountain ranges, respectively by the Pyrenees, the Alps and the Balkan Mountains. The location of these peninsulas in the heart of the Mediterranean Sea, as well as their mountainous reliefs, provide them with very different types of climates (mainly subtropical Mediterranean) from the rest of the continent. Different methods can be used to define Southern Europe, including its political, economic, historical, and cultural attributes. Southern Europe can also be defined by its natural features — its geography, climate, and flora. Politically, nine of the Southern European countries form the EU Med Group. Southern Europe also loosely corresponds to the European part of the Mediterranean Basin. Countries in Southern Europe - Albania, Andorra, Bosnia And Herzegovina, Croatia, Gibraltar, Greece, Holy See (The Vatican),Italy, Malta, Montenegro, Portugal, San Marino, Serbia, Slovenia, Spain, The former Yugoslav Republic of Macedonia.