AIDS is the advanced form of infection with HIV virus. This virus may not cause recognizable symptoms for a long period after the initial exposure (latent period). As of early 2009, no vaccine was available to prevent HIV infection.
The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP). Font Size: Translate: EspaÃ±ol.
What Is Risk Transfer? Risk transfer is a risk management and control strategy that involves the contractual shifting of a pure risk from one party to another. One example is the purchase of an insurance policy, by which a specified risk of loss is passed from the policyholder to the insurer. Other examples include hold-harmless clauses,