Katherine Hempstead, "Uncovered: The Story of Insurance in America" (Oxford UP, 2023)

Katherine Hempstead, "Uncovered: The Story of Insurance in America" (Oxford UP, 2023)

Historically, the insurance industry in America has been fragmented. As a result, there have been debates and conflicts over the proper roles of federal and state governments, business, and the responsibilities of individuals. Who should cover the risks of loss? And to what extent should risk be shared and by whom? In Uncovered: The Story of Insurance in America (Oxford UP, 2023), Katherine Hempstead answers these questions by exploring the history of the insurance business and its regulation in the United States from the 1870s through the twentieth century. Specifically, she focuses on the friction between the public demand for insurance and the private imperatives of insurers. Tracing the history of the industry from the early days of life, fire, and casualty insurance to the development of state regulation in the late nineteenth century, Hempstead examines the role that insurers initially played in the largely voluntary social safety net and how this changed over time. After the Great Depression, the federal government assumed a greater role in the provision of insurance, while insurers enthusiastically pursued the growing business of employee benefits. As the twentieth century progressed, insurers and government have become interdependent, with insurers participating in publicly funded markets. As Hempstead shows, periodic crises in life, fire, health, auto, and liability insurance highlighted gaps between the coverage that insurers were willing to provide and what the public demanded. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/public-policy

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Cast Out: A Call For A Forgiving Society in an Age of Incarceration

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Angela Frederick, "Disabled Power: A Storm, A Grid, and Embodied Harm in the Age of Disaster" (NYU Press, 2025)

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Georgia Holly et al, .eds., "Heritage in the UN Decade of Ocean Science for Sustainable Development (2021-2030) and Beyond"  (U Edinburgh Press, 2025)

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Heritage in the UN Decade of Ocean Science for Sustainable Development (2021-2030) and Beyond (U Edinburgh Press, 2025) outlines the need to embed Ocean Heritage into ocean science, sustainable dev...

18 Juli 59min

Heart-Centered Connections: Seven Essential Skills for Helping Neurodiverse and Marginalized Children Thrive

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Doubled Up: Shared Households and the Precarious Lives of Families

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More than eleven million children in the US live in doubled-up households, sharing space with extended family or friends. These households are even more common among low-income families, families of c...

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Nicholas Freudenberg, "Fighting for New York: Activism for Health and Social Justice Since The 1960s" (Columbia UP, 2026)

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Today I'm speaking with Nicholas Freudenberg, Distinguished Professor Emeritus of Public Health at the CUNY School of Public Health. We are discussing his book, Fighting for New York: Activism for Hea...

7 Juli 56min

Martina Baradel, "21st Century Yakuza: Death of Japanese Organised Crime" (Oxford UP, 2026)

Martina Baradel, "21st Century Yakuza: Death of Japanese Organised Crime" (Oxford UP, 2026)

Once dominant and institutionalised, the Yakuza, one of Japan's best known criminal organisations, is now shrinking under the combined pressure of legal exclusion, social stigmatisation, and market...

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Why Democracy’s Troubles Should Come as No Surprise

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