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De grondlegger van de hedendaagse economische wetenschappen, Adam Smith, zei het al in zijn magnum opus [1] (1776): “The trade of insurance gives great security to the fortunes of private people, and, by dividing among a great many that loss which would ruin an individual, makes it fall light and easy upon the whole society. In order to give this security, however, it is necessary that the insurers should have a very large capital.”