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Bob Keith of Carstar will provide an overview of the claims issues associated with repairing aluminum vehicles during the America's Claims Event in June. (Photo: iStock)

Insurance is all about managing risk, whether it’s protecting property from fires, earthquakes or floods; vehicles from deer or close encounters with other cars; providing payment for injured workers; securing business interruption coverage for dozens of possible perils; or guarding against a major data breach.

Policyholders purchase insurance to protect them against the unexpected. The risks keep changing — and so do the types of coverage required.

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