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.
Allstate was formed in 1931 as a unit of Sears, Roe-buck & Company to sell auto insurance through the Sears catalog and by direct mail. During its first year of business, Allstate sold 4,217 policies, bringing in premiums of $118,323.