Within two weeks, companies had stopped writing policies for fire insurance.

Insurance companies in the state even wrote policies on slaves.

While most districts have written policies, many teachers say they are not certain what is allowed.

"Individual insurance companies have the right to decide how they want to write policies," he added.

The urban unrest in 1968 changed the way some insurance companies wrote policies.

Some companies faced unexpected claims on policies written many years earlier.

As it was, to get so much coverage required policies written by 22 carriers.

During that time, new insurance companies were started and existing carriers began writing policies again.

In 1991, however, the company went insolvent and stopped writing new policies.

That exclusion applies to policies written since then, he said.