Types of Insurance
Automobile Insurance – is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured vehicle itself.
Aviation Insurance – insures against hull, spares, deductible, hull war and liability risks.
Boiler Insurance – insures against accidental physical damage to equipment or machinery.
Builder’s Risk Insurance – insures against the risk of physical loss or damage to property during construction.
Business Insurance – can be any kind of insurance that protects businesses against risks.
Casualty Insurance – insures against accidents, not necessarily tied to any specific property.
Credit Insurance – repays some or all of a loan back when certain things happen to the borrower such as unemployment, disability or death.
Crime Insurance – insures the policyholder against losses arising from the criminal acts of third parties.
Crop Insurance – to reduce or manage various risks associated with growing crops.
Directors and officers liability insurance – protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes incurred by directors and officers for which they are liable.
Disability Insurance – policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury.
Total Permanent Disability Insurance – provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Expatriate Insurance – provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits.
Financial Loss Insurance – protects individuals and companies against various financial risks.
Health Insurance – policies will often cover the cost of private medical treatments if the National Health Service in the UK (NHS) or other publicly-funded health programs do not pay for them.
Liability Insurance – is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage.
Life Insurance – provides a monetary benefit to a decedent’s family or other designated beneficiary, and may specifically provide for burial, funeral and other final expenses.
Locked Funds Insurance – is a little-known hybrid insurance policy jointly issued by governments and banks.
Marine Insurance -cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them.
No-Fault Insurance -is a type of insurance policy (typically automobile insurance) where insureds are indemnified by their own insurer regardless of fault in the incident.
Nuclear Incident Insurance – covers damages resulting from an incident involving radioactivive materials and is generally arranged at the national level.
Insurance Books
Insurance News
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Thousands of families face personal and financial upheaval following flood damage. We round-up the latest news and advise on how to prepare for a flood, and what to do if the worst happens…
