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.
Sears President Robert Wood decided to sell auto insurance to customers by mail. The name Allstate was borrowed from an automobile tire in a Sears catalog. With the backing of Sears, the business took off. Allstate became a publicly traded company in 1993 and totally independent from Sears in 1995. Allstate has approximately 12,000 exclusive agencies and financial representatives in the United States and Canada. It also owns the Esurance brand that sells insurance online along with Encompass and Answer Financial.