CUDOS is based on the Mertonian norms introduced in 1942 by Robert K. Merton. Merton described four sets of institutional imperatives [comprising] the ethos of modern science: universalism, communalism, disinterestedness, and organized skepticism..
Hanover policies are sold by more than 5,000 independent, affiliated agents located in cities and towns across the country. When you buy a Hanover Insurance Group business policy, you get the one-on-one attention you need to be confident youâre getting the right coverage for your unique business needs.
Insurance agents sell auto, health, home and life insurance. Commercial insurance agents also sell property damage and liability policies, employee and executive coverage and product liability. Insurance is a heavily regulated field, and agents must be licensed by their state.Roughly a quarter of agents work for an insurance company and often sell its products exclusively. About half work for an independent insurance agency or brokerage and sell the products of many insurance companies.Nearly 20 percent are self-employed. Commissions are an important source of income for most agents, although a smaller number hold salaried positions.nsurance agents sell auto, health, home and life insurance. Commercial insurance agents also sell property damage and liability policies, employee and executive coverage and product liability. Insurance is a heavily regulated field, and agents must be licensed by their state.