Unassuming but formidable, American maritime insurers used their
position at the pinnacle of global trade to shape the new nation.
The international information they gathered and the capital they
generated enabled them to play central roles in state building and
economic development. During the Revolution, they helped the U.S.
negotiate foreign loans, sell state debts, and establish a single
national bank. Afterward, they increased their influence by lending
money to the federal government and to its citizens. Even as
federal and state governments began to encroach on their domain,
maritime insurers adapted, preserving their autonomy and authority
through extensive involvement in the formation of commercial law.
Leveraging their claims to unmatched expertise, they operated free
from government interference while simultaneously embedding
themselves into the nation's institutional fabric. By the early
nineteenth century, insurers were no longer just risk assessors.
They were nation builders and market makers. Deeply and
imaginatively researched, Underwriters of the United States uses
marine insurers to reveal a startlingly original story of risk,
money, and power in the founding era.
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