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.
Residual Market: Consists of insurance consumers. unable to obtain coverage in the voluntary market. Example 1: An auto policy insuring two cars for six. months is issued on 9/28/2008, effective 10/1/2008. The cost of the policy is $600.