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.
Companies, agents, adjusters, doctors and hospitals, or consumers commit insurance fraud when they lie or misrepresent facts for financial gain. Since companies divide the costs of claims among policyholders, fraudulent insurance claims drive premium costs up. Each year, insurance fraud costs consumers an estimated $150 billion, an average of almost $1,000 per family in additional insurance premiums. Itâs illegal to sell insurance in Texas without a license.