Abstract
Insurance companies collaborate with a diverse range of market actors, including the insurance companies' owners, managers, and employees, as well as their exclusive agents and independent brokers, private and institutional clients, banks and reinsurers, outsourcing companies, and other insurance organizations and community members. Insurance companies must address the unique needs of each stakeholder group. Owners, managers, staff, and exclusive agents all contribute to the internal environment of an insurance company. The surrounding environment of an insurance company is composed of the following. An insurance firm is made up of individual and institutional clients, brokers and other insurers, research and development groups, and community members.
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