Sub-Saharan Africa insurance tenders

Get access to latest Sub-Saharan Africa insurance tenders and bids. Find business opportunities and government contracts for Sub-Saharan Africa insurance tenders, accidental insurance, Sub-Saharan Africa medical insurance, banking insurance, government insurance tenders Sub-Saharan Africa, risk insurance, Sub-Saharan Africa insurance services tenders, Sub-Saharan Africa insurance consultancy tenders, building insurance tenders. Find Sub-Saharan Africa insurance tenders, bids, procurement, RFPs, RFQs, ICBs.

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.

Sub-Saharan Africa is, geographically, the area of the continent of Africa that lies south of the Sahara. According to the United Nations, it consists of all African countries and territories that are fully or partially south of the Sahara. While the United Nations geoscheme for Africa excludes Sudan from its definition of sub-Saharan Africa, the African Union's definition includes Sudan but instead excludes Mauritania. Since probably 3500 BCE, the Saharan and sub-Saharan regions of Africa have been separated by the extremely harsh climate of the sparsely populated Sahara, forming an effective barrier interrupted by only the Nile in Sudan, though navigation on the Nile was blocked by the Sudd and the river's cataracts. The Sahara pump theory explains how flora and fauna (including Homo sapiens) left Africa to penetrate the Middle East and beyond. African pluvial periods are associated with a Wet Sahara phase, during which larger lakes and more rivers existed. Countries in Sub-Saharan Africa are Angola, Benin, Botswana, Burkina Faso, Burundi, Cabo Verde, Cameroon, Central African Republic, Chad, Comoros, Congo, Democratic Republic of, Congo, Republic of, Cote d'Ivoire, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, The, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mozambique, Namibia, Niger, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, Togo, Uganda, Zambia, Zimbabwe.