4 Which one (1) of the following statements is true about certain insurers?A joint stock company is owned by its policyholders.Lloyd's of London is an insurer still owned by the descendants of the originalEdward Lloyd.A mutual insurance company is owned by its policyholders.A farm mutual insurance company is owned by its shareholders.* A "Fidelity Bond" does NOT cover which one (1) of the followingexposures?Robbery of money from an employee.Theft of money by an employee.Theft of equipment by an employee.Theft of the employer's property by two employees acting together.

Business, organizations, individuals function in an environment that is volatile. The environment is…

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