Most of us believe Insurance is important ? we insure our home, property, lives, cars etc. But many a times we don’t know which company or organization to invest with, because we don’t know what the technical jargon of the policies etc means. Property owners insurance, Auto Owners Insurance are all common terms but there is a difference between the kinds of benefits we get depending on of course the organization we deal with, the kind of a policy we opt for (different kinds of companies offer us different policies depending on the amount we pay and so on) and last but not the least an hr support for small business d most importantly ? what ?kind’ of a company or organization are we dealing with. And by this we do not mean to say public owned companies will give you better benefits than private owned companies or vice versa.What we mean to say when we talk of what kind is that whether you are dealing with a mutual company or a company owned by stockholders. Or in other words who are the stakeholders in this company ? is it the policy holders or other normal shareholders we have in the regular stock companies. To make it simpler, we need to define the position we hold for ourselves in the company.