Chapter 599: Insurance

But going to sea is not just about determination. Other guarantees are also needed. Especially risk. Compared to mature land development. The risks at sea are much higher. This is also the most difficult point in ship transportation.

The risks at sea come from many sources. natural factors. Severe weather such as typhoons and storms is often the main cause of ship sinking. The losses caused by the shipwreck are as huge as the huge profits brought by the ship's cargo transportation.

"There are many treasures overseas. Some of these treasures are things that the Qin State does not have." Shang Wen said to himself.

"What is it. I don't have Daqin?" Yingyu quietly walked into Shangwen's office and asked.

"No. Nothing?" Shang Wen said.

"Don't hide." Ying Yu looked at Shang Wen and said.

"It's okay? There are many things overseas. Daqin doesn't have any. You can only see it when you go to sea." Shang Wen said.

"Go to sea? I haven't seen the sea yet." Yingyu said while looking at the map on Shangwen's wall.

"Have you never seen the sea?" Shang Wen asked in surprise.

"You said that?" Yingyu squeezed Shang Wen's arm severely.

"If I can go outside. What else do you use?" Yingyu was angry.

"Oh. Later. Let's go out and see the outside world. Take a trip around the world." Shang Wen said.

"Travel around the world?" Yingyu said.

"Yes." Shang Wen replied.

"The outside world. It's a lot. There is not only the sea. There are also islands and beaches. The scenery is great." Shang Wen said. Ying Yu listened to Shang Wen's explanation.

"There is also the aurora. Do you know? There is a kind of light like a dream in the sky. It is beautiful. There is also the desert. It is endless. Tropical rain forest. It rains almost every day." Shang Wen said excitedly.

"Oh my God. It rains every day. It wasn't a leak that day. I don't want to go to that place." Yingyu said. The damp weather made her unhappy.

"Right. Is there anything delicious out there?" Yingyu asked.

"Yes! A lot. A lot. Let's take fruit. Have you ever had coconut milk?" Shang Wen asked.

Ying Yu shook his head.

"There are also watermelons, bananas, pineapple grapes. There are too many to count." Shang Wen said that Yingyu's heart was itchy. It was the first time that she had heard of so many things she hadn't heard. Although Shangwen are common things. But consider the limitations of this era. Many things have not spread. Such as watermelon. This fruit from Africa.

"In addition to food. There are many animals. Did you know? There is an animal with a bag in Australia. On the southernmost side. There are a lot of cute penguins. There are giraffes with long necks, African lions, and zebras. Hippos, South America. Especially in the mountains there are alpacas." Shang Wen told Yingyu about the outside world.

"Alpaca? Isn't it like sheep and camel combined? That's too ugly." Qin State still had this animal after harassing the Western Regions. so. There is not even a donkey at this time.

"Well, it's almost." Shang Wen couldn't explain the difference. Can only talk about it casually.

"Right. There is no such thing as a diamond in Qin State?" Shang Wen asked.

"Masonry?" Yingyu asked.

"Oh! Yes! There are so many. There are everywhere on the construction site." Yingyu thought that Shangwen was talking about masonry.

No way. Shang Wen looked at Ying Yu suspiciously. If I remember correctly. It seems that diamonds are rarely mentioned in ancient Chinese history. How could it be everywhere. This guy won't miss it! Shang Wen looked at Ying Yu.

"What do you see me doing? Don't you have the bricks and stones on the construction site?" Shang Wen listened. That joy in my heart. Yingyu's ignorance has a lovely side. Shang Wen smiled.

"What are you laughing at?" Ying Yu felt that Shang Wen had a big conspiracy.

"The diamond I'm talking about. It is the hardest thing in the world. You can drill anything. Although they are very small. They are beautiful. They are the best for making diamond rings!" Shang Wen said.

"The hardest. Diamond ring?" Yingyu blushed suddenly. Is this guy going to give me a ring.

in fact. The biggest use of diamonds is not decoration. It is used in industry. Drill bits and some extremely tight instruments require all kinds of diamonds. Qin State Industry. Especially oil extraction. It is also because of the lack of diamonds. At least it is best to have diamonds.

"Where is it? You can find out." Yingyu asked eagerly. Yingyu can't imagine what a gem looks like. Because there is nothing to refer to. this era. Pearls are already gem-level things.

"Yeah. It seems that Sri Lanka has them. There are rubies, sapphires, and topazes. South Africa has all kinds of diamonds. There is also a lot of gold." Shang Wen said.

"What card?" Yingyu asked.

"Hey. No matter what the card. They are all overseas. Our ship can't even go out of the Yangtze River. Also mention Sri Lanka. South Africa. That has to cross the long sea. You think that going to sea is all fun. That's risky." Shang Wen Back to the original starting point. Risk issues.

"Telled so much. I didn't say it. Humph!" Yingyu said unhappily.

"If you want to. You have to build ships and go to sea." Shang Wen said.

"Make it." Yingyu only wanted diamonds. I didn't think of anything else. Pure thoughts.

Going to sea is not so easy. risk. risk. correct. Insurance. The insurance industry appeared during the European voyage. Both profit and risk appeared in the insurance industry.

"Hey. I thought of a good way to make money." Shang Wen said.

"What's a good way?" Yingyu said happily.

"Insurance." Shang Wen finished speaking and began to introduce the usefulness of insurance. What to insure, how to pay and other issues. How to make a profit during this period. Yingyu also patted the table at first. She yelled at Shang Wen for being stupid. Even doing a loss-making business. But by the probability. Yingyu thinks it's okay. Shangwen told Yingyu. This can greatly facilitate navigation. And it can make a fortune.

Yingyu asked Shangwen to write down the original words. Then he went back to Xiao He for discussion.

After Xiao He saw it. I think it can. Accidents of transportation vehicles often occur in the transportation of Qin State. These accidents are also one of the causes of bad debts in banks. Although the accident cannot be avoided. But with the help of insurance. Then this worst-case scenario can be reduced a lot.

So a relatively extensive insurance appeared. The first insurance company in Qin State. Wenyang Insurance Company was established after the third day. Although people still don't know what insurance is. And it's not that Shang Wen devoted himself to sailing as he thought. But insurance did appear. The salesmen used their eloquence to give an overview of the insurance business. To be able to impress people. A lot of publicity work has also been carried out.

Since it can appear. There must be a market. The first insurance policy was born in the carriage and horse transportation industry. Mainly traffic accident insurance. After paying a certain amount of insurance. Even if the risk is reduced to the carriage. As the time goes. More insurance will be born.