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UL headquarters in Northbrook, Illinois. Underwriters Laboratories Inc. was founded in 1894 by William Henry Merrill.After graduating from the Massachusetts Institute of Technology (MIT) with a degree in electrical engineering in 1889, Merrill went to work as an electrical inspector for the Boston Board of Fire Underwriters. [9]
The term "underwriting" derives from the Lloyd's of London insurance market. Financial backers (or risk takers), who would accept some of the risk on a given venture (historically a sea voyage with associated risks of shipwreck) in exchange for a premium, would literally write their names under the risk information that was written on a Lloyd's slip created for this purpose.
Purdue University is a public land-grant research university in West Lafayette, Indiana, United States, and the flagship campus of the Purdue University system. [7] The university was founded in 1869 after Lafayette businessman John Purdue donated land and money to establish a college of science, technology, and agriculture; [8] the first classes were held on September 16, 1874.
Indiana University's men's basketball team is one of the most decorated programs in the nation, having won five national championships. Indiana student-athletes have won 133 NCAA individual titles, including 79 in men's swimming and diving and 31 in men's track and field. Also, IU teams have won or shared 157 Big Ten Conference championships.
In 1986, Scotiabank created Scotia Securities to provide discount brokerage and security underwriting services. The late 1980s and 1990s saw the bank acquire several firms, including McLeod Young Weir brokerage firm (co-founded by Donald Ivan McLeod, William Ewart Young, James Gordon Weir and John Henry (Harry) Ratcliffe in 1921) [ 13 ] in 1988 ...
An insurance underwriter's job is to evaluate a given risk as to the likelihood that a loss will occur. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. This basic principle of insurance must be followed if insurance companies are to remain solvent.
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