The effect of substrate concentration on the rate of enzyme-controlled reactions Remember that in biology or biochemistry, the reactant in an enzyme reaction is known as the substrate. What follows is a very brief and simple look at a very complicated topic.
A reinsurance contract is a contract of indemnity, meaning that it becomes effective only when the insurance company has made a payment to the original policyholder. Reinsurance provides a way for the insurance company to protect itself from financial disaster and ruin by passing on the risk to other companies.
Allstate and Esurance combined own about four percent of the market. Yes, as of October 7th, 2011, Esurance is officially owned by Allstate. The reason why Allstate bought Esurance is presumably so that Allstate can capture a greater share of the online auto insurance market. The billion dollar acquisition of Esurance will double the number of policies sold online by Allstate.