Other Insurance

Insurance Policy / Coverage	Condition	Plan Type
Accident	Accidents both on and off-jobs	Individual
Aircraft	Physical damage to aircraft. Property damage or bodily injury to people other than the named insured. Property damage and bodily injury to named insured.	Individual
Annual Travel	Multi trip and single trip	Individual
Antiques	Theft of antique car or other antique possession that you have enlisted in the policy.	Both
Art	Expensive art. Art by a famous artist. Theft, Breakage or Mishap in transit. Residents of a high risk flood or earthquake zone.	Both
Auto	Accident, Medical conditions due to accident, getting hit by uninsured or underinsured motorists, collision, damage from storm, vandalism or a passive object like tree or a post.	Individual
Avian	Accidental injuries e.g. collision with fan or window, Feather picking, GI infections, respiratory problems, illness.	Individual
Backpackers	Accident, Illness, theft, trip cancellation	Individual
Bicycle	Theft, vandalism, hit by another vehicle, hit another vehicle or individual.	Individual
Birthday	If you want to save for your grandchildren	Individual
Boat	Accident, any injury due to accident to your boat or to any other individual’s boat or to the individual himself	Individual
Boiler	For heating cover	Individual
Breakdown	Car breakdown	Individual
Builders	Damage to buildings while under construction.	Individual
Buildings	Damage to the structure of the property (building).	Individual
Business	Damage to business property, interruption to business, property damage or bodily damage to others.	Group
Business Travel	Work related travel	Individual
Car Dealer	Theft, weather related damages	Individual
Caravan	Accidental damage, flood, fire, liability, storms, theft, lost keys, destruction and glass damage.	Individual
Care Home	Long term care at home, nursing care, sheltered accommodation.	Individual
Casualty	Loss of property, damage to liability like vehicle, theft and casualty in elevator.	Individual
Cat	Any accidents, illness, hereditary conditions, flea control, hospitalization, surgeries.	Individual
Catering	Stock (high risk stocks like wine, spirits and tobacco), building, fixtures and fittings, glass and sanitary fittings, interruption to business, products liability, public liability, deterioration of stock, personal accident, employers liability, book debts, money and personal assault, commercial legal expenditure.	Individual
Chauffeur	Vehicle replacement, breakdown, accident, glass breakage, public liability.	Individual
Chemist	Loss of stock, earnings. Accidental damage, destruction, public liability, legal costs, computer breakdown.	Individual
Church	Damage to property, cost of replacement, liability towards others, personal injury, medical treatments, workers’ compensation, church vehicle, fine arts.	Individual
Classic Car	Value of car, bodily injury, property damage, accident by uninsured motorist, collision, damage from fire, theft, wind, hail, flood, destruction etc. Medical treatment, personal injury.	Individual
Commercial	Loss to personal or real property, damage to machinery, builder’s risk, interruption to business, burglary, robbery or money, securities, stocks and employee fixtures, theft, liability.	Individual
Computer Consultant	Professional liability, Lawsuits due to failure of technology services. Lawsuits due to negligence and breach of warranty.	Individual
Computer Contractors	Personal accident, sickness, business travel, indemnity, damage to property, legal expense.	Individual
Computer	Accidental damage, damage due to water spillage, theft.	Individual
Concert & Gig	Lawsuits arising from liabilities like physical damage, third party property damage. Replacement cost of stolen of damaged equipment, sets, wardrobe, prop, cancellation of event, medical treatment costs, liquor liability and automobile liability.	Group
Condo	Burglary, damage from water, injury to another third party, loss of personal property and damage to the interior of your unit.	Individual
Conference	Bodily injury, property damage, coverage for rental equipment, business crime, liability coverage, event cancellation.	Individual
Construction	Accidents in construction site, personal injury, death.	Individual
Contents	Fire, Flood, Theft, any other peril.	Individual
Corporate-Owned Life insurance	To prevent loss of key executive, to finance benefit plans.	–
Credit	When an individual is unable to pay back loans, disability, involuntary unemployment during term of coverage, loss or damage of property.	Individual
Critical Illness	Critical illness as covered by policy.	Individual
Crop	Catastrophe, Hail, Fire, Lightning, Vandalism, transit, loss of stored grain, lost revenue caused by low prices or low yields or a combination of the two.	Individual
Cyber Space Liability	Threat to privacy, infringement of intellectual property, virus infection, trouble from any third party transferred via the web.	–
Dental	Tooth injuries, accidents, illness, cleaning, dental checkups, tooth and gum disease, tooth extractions, fixing chipped teeth. Orthodontics, denture work.	Individual
Disability	Medical condition that makes you unable to earn for a specific period of time.	Individual
Driver	Bodily injury, property damage liability. Comprehensive and collision coverage, medical treatment.	Individual
Dog	Accidents, illness, preventive care including surgeries, diagnostic testing, hospitalization, X-rays, lab fees, office visits and more.	Individual
Earthquake	Damage to property or bodily damage due to earthquake.	Individual
Employment practice liability(EPLI)	Discrimination, breach of contract, negligent evaluation, sexual harassment, wrongful discipline, emotional distress, mismanagement of employee benefit plans.	–
Engineering	Sudden and unforeseen damage that includes breakdown from an internal defect. Accidental damage for plant as well as equipment, injury to contract workers.	Individual
Event	Special events, annual events, exhibitions, wedding, Cancellation of events, Damage to event.	Individual
Exotic Animal	Theft, expensive vet fees, accident, sickness, disease, fire, lightning, storms etc.	–
Factory	Fire, theft, flood, accidental damage, product liability, employers liability, goods in transit etc.	–
Farm	Liability, physical damage, third party property damage, medical treatment for participants and spectators, damage due to bad weather, earthquake, flood, damage to rented equipment, props, sets and wardrobe.	Individual
Festival & Carnival	Damage to farm buildings, machinery, fencing, hay, livestock, property in transit and contents due to fire, storms, theft, burglary and any other event defined in policy.	–
Fair	Public liability claims made by visitors to the fair, damage to property used in the fair, claims made by employee, cancellation and abandonment of fair.	Both
Fish Stock	Accident, illness/disease, loss of use.	–
Footballer	Loss of income due to injury, illness or death.	–
Funeral	On account of the policy holder’s death.	Individual
Gadget	Theft, Loss, Accidental Damage.	Both
Garage	Bodily injury, property damage or destruction of goods.	Individual
General	Casualty and damage to property.	Individual/Group
Golf	For player: Death, loss of organs, medical expense. For others: Loss of life, lawsuits, medical expense. For policy holder’s equipment: Damage, theft.	Individual/Group
Group	Individuals looking for health insurance. Treatment for mental health and availing prescription drugs. For policy holder’s equipment: Damage, theft.	Group
Health	Medical treatment, illness, accident, any medical condition.	Both
Holiday Home	Accidental damage to property and building contents, Damage to outbuildings, garages and swimming pools, theft of content from outbuilding. Fire, flood, oil leaks, collision/impact damage, loss of rent, alternative accommodation, legal liabilities to third parties.	Individual
Home Owners	Damage from fire, theft, storm and lightning. Damage from flood and earthquake under special insurance policies.	Individual
Horse	Death due to any cause. Cost of major medical and surgical treatment. Loss of use. Accidental death.	–
Hotel	Flood, earthquake, wind, business interruption, boiler and machinery, flood clean up expenses, crime, builder’s risk, liability, liquor liability, compensation for workers, injury on-the-job.	–
Household	Burglary, fire, flooding, accidents, property damage, liability towards others.	–
Income Protection	Loss of income due to inability to work from an accident or a serious illness.	Individual
Industrial Plant	Work related injuries, medical treatments, hospitalization and related services, loss of income due to injury.	Individual
IT Workers	Liability to third party for causing financial loss.	Individual
Jewelry	Thefts, damage, disappearance, repair of jewelry, jewelry replacement cost.	Individual
Key man	Untimely death or disability of a top and very important person in an organization – a salesperson, an executive or business owner.	Individual
Kidnapping and Ransom	Kidnap, ransom demand and extortion.	Individual
Landlord	Material loss or damage of the building or its contents.	Individual
Legal Expenses	Personal injury, disputes from employment and damage to property ant legal claim made by policy holders.	Individual
Lenders Mortgage	Outstanding on loan, loan default.	Individual
Liability	Third party claim, damage to third party.	Individual
Life	Deaths, terminal illness, critical illness, need to replace income for dependants, create inheritance.	Individual
Loan	Protect monthly loan payments in case of unemployment or disability, accident or sickness.	Individual
Long Term Care	Disability, chronic illness, adult day care, cost of visiting nurses, nursing home care.	Individual
Magician’s	Public liability, employer’s liability, damage or loss of equipment.	–
Manufacturing	Public liability, damage of product, employers’ liability, interruption of business, loss of money, breakage of goods and glass in transit, personal assault.	–
Marine	Loss or damage to ships, terminals, cargo, property in transit.	Individual
Media	Employers liability, public liability, products liability, directors’ and officers’ liability, damage to equipment, accident, legal protection.	–
Medical Supplies	Theft, damage to medical equipment.	–
Mortgage	Death, disability or mortgagor, default of loan amount.	Individual
Mortgage Life	Pay mortgage incase of the policyholder’s death.	Individual
Motorcycle	Damage to accessories, bodily injury liability, cost of medical treatment, personal injury protection, accident with uninsured/underinsured motorists, damage due to theft, destruction, flood, fire, and other listed perils, hitting or getting hit by another vehicle or object, damage to someone else’s property arising from an accident.	Individual
Motor Fleet	Breakdown, recovery, detachment of trailer.	Object
Motor Sport	Accidental damage, damage from fire, driver’s accident, accident of co-drivers and team members.	Group
Motor Trader	Road risks, liability, damage to third parties property, loss of business, damage to business due to illness of employees, damage to vehicle in transit.	Individual
Musician	Theft or damage of instrument, personal accident, illness, bodily injury to third party, car insurance for touring musicians.	Individual
Newsagents	Contents, fixtures, fittings and stock. Theft, employer’s liability, public liability, product liability.	Both
Nightclub	General liability, damage to property, building, contents, tenant improvements, loss of income, liability for liquor, assault, worker’s compensation, injury out of accident.	Individual
No Fault	Accident, injuries from accident, fixing damaged vehicle, medical treatment.	Individual
Office	Damage to equipment, fittings as well as fixtures, damage or loss of stock and goods in transit, business interruption, protect money that is kept on the premises or money that rests with an employee of the office.	Group
Oil Refinery	Damage or pollution to vehicle and contents of tank as well as cargo, accidental third party pollution, spill response, environmental response.	Both
Parametric	Natural catastrophe, series of losses due to a catastrophe.	Both
Patent Infringement	Piracy, liability/damages to the policyholder, need to defend patent rights, legal/litigation expenses borne by policyholder.	Individual
Permanent Life	Those who want to accumulate policy cash value in order to fund an education, secure retirement, or any other goal for the future. For tax-favored treatment of cash value permanent policies.	Individual
Pet	Illness, treatment cost, surgeries, prescriptions, treating diseases.	Individual
Petrol Station	Loss of or damage to material, car wash equipment, public liability, goods in transit, filling pumps, buildings, shop contents, canopies money. Employer’s liability and business interruption.	Individual
Pharmaceutical Manufacturers	Managed Care	Individual
Pharmacy	Prescription plans, Brand name drugs, generic drugs.	Individual
Photographer	Damage to property, theft of equipment. In case of a crime and general liability to third party.	Individual
Political Risk	Political risk, political violence like civil unrest, war, terrorism. Governmental and asset confiscation. Debunking of contract, on demand guarantees, inability to convert foreign currency.	Individual
Product Liability	Damage or injury arising from a product, faulty products.	Individual
Professional Indemnity	Breach of duty, contravention on other’s trademarks, copyrights and broadcasting rights, los of document belonging to clients, liability arising due to theft of client’s money.	Individual
Professional Liability	Own a business, financial losses from lawsuits filed by clients.	Individual
Property	Damage from fire, theft, water, earthquakes, floods, nuclear incidents, war and acts of terrorism.	Individual
Pub & Public House	Employers and public liability, damage to business contents, loss of liquor license.	Individual
Reinsurance	Risk of loss of insurance companies, inability to settle claim made by customer.	Individual
Renters	Damage to possessions inside the building as renter, Protection of furniture, electronic equipment from fire, theft, or wind damage from hurricane.	Individual
Restaurant	Property insurance, damage to contents, business income, contamination of food, crime, employee dishonesty, worker’s compensation, excess liability, general liability, and valet liability (includes physical damage to auto).	Individual
Return of Premium Life	Loss of life. Savings for a particular term if death does not occur.	Individual
Revocable	To protect against any faulty beneficiary.	Individual
RV	Protection for travel trailer and motor home, total loss replacement, emergency expense, unlimited towing, roadside assistance. Bodily injury, property damage, medical treatments, collision, uninsured/underinsured motorists.	Individual
Second Home	Damage to building, contents of building, property and third party liability.	Individual
Self	Protection against unknown risks.	Individual
Service Garage	Cost of repairing or replacing vehicles when damaged or destroyed.	Individual
Shop	Liability towards employees for on-the-job injury, public liability, stock protection, contents, cash cover.	Individual
Show Car	Theft or any form of damage	Individual
Specialist Car	Accidents, theft of parts, liability, damage in car shows, damage during shipment to another state or country.	Individual
Specialist Home	Increased fire risk, high replacement costs, damage to contents in high value buildings, flood risks, unoccupied property.	Individual
Specialist Travel	Pre-existing medical conditions, elderly individuals.	Individual
Sports	Accident, injury, travel, liability for club and members, prize indemnity, damage to sport arenas.	Individual
Sports Car	Accidents, replacement cost, theft, fire, legal expenses, breakdown, road rage, glass breakage.	Individual
State Disability	Loss of wages due to disability not caused by your work.	Individual
Student Travel	Medical treatment, trip interruption, emergency travel, health services.	Both
Students	Accidental damage to home content, possession in student accommodation, loss due to theft of money, loss of credit cards, travel.	Individual
Taxi	Breakdown, damage, public hire, private hire, fleet cover.	Individual
Term Life	To cover short term goals like a loan, extra life insurance protection.	Individual
Terrorism	Major terrorist attack	Individual
Title	Hidden title, protection for lenders and mortgagee as well as owners. Protects against loss from hazards and defects.	Individual
Tradesman	Employers’ liability, public liability, property damage, injury.	Individual
Travel	Trip cancellation and interruption, medical expenses, transportation, stolen or lost baggage.	Individual
Truck & Lorry	Accidents, fire damage, theft, vandalism, natural disasters.	Individual
Uninsured Motorist	Injuries caused to you and your passengers by an uninsured motorist. Property damage caused due to an auto accident by an uninsured/underinsured motorist.	Individual
Universal Life	In the event of death and to make tax deferred savings	Individual
Van	Breakdown, legal expenses, accident, vandalism.	Individual
Variable Life	Premature death	Individual
VIP Home	Loss or damage to property.	Individual
VIP Travel	Trip interruption, delay, lost baggage, medical assistance, trip cancellation.	Individual
Warehouse	Contractual liability, breakage, improper handling of goods, loss of goods, damage to goods, employer’s liability, public liability.	Both
Weather	Damage from heavy rainfall, snow, temperature, wind, severe adverse weather	Individual
Website	Cyber liability, crime risks, hacking, crisis management, loss of revenue	Individual
Wedding	Cancellation, damage to wedding dress. Loss of deposit, wedding ring. Severe weather condition, transportation shutdown, damaged gifts, sudden illness, venue, any other additional expense	Individual
Whole Life	For people who need lifetime insurance, need tax-deferred cash value.	Individual
Workers’ Compensation	Lawsuits resulting from on-the-job accidents, loss of income, medical care for employees	Both