Any risk that can be quantified can potentially be ensured. Some types of risks that could give rise to claims are known as "perils". An insurance policy will be explained in detail the dangers that are covered by the police and which are not.

You will find below (not exhaustive) list of the different types of insurance that exist. A single policy may cover risks in one or more of the categories listed below. For example, motor insurance would normally cover both goods risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims cause an accident). An owner of the insurance policy in the United States typically includes property insurance covering damage to the house and property of the owner, liability insurance, which covers some legal claims against the owner, and even a small amount health insurance for medical expenses of visitors who were wounded in Property Ownership.

The insurance can be any type of insurance that protects companies against risks. Some major subtypes of business insurance are: (a) different types of professional liability insurance, also known as professional indemnity insurance, which are discussed below under this title, and (b) the owners Business policy (BOP), which sets policy in a lot of types of coverage that a business owner must, in a manner similar to how the owners of insurance coverage that bundles a landlord needs. [7]

Life & Annuity Coverages
Life insurance is a financial benefit to the deceased's family or other designated beneficiary, and can accurately predict the family income of the insured, burial, funeral and other expenses finale. The life insurance policies often allow the possibility of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.

Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same type of actuarial and investment management, life insurance expertise required. Annuities and pensions that pay a benefit for life are sometimes seen as insurance against the possibility that a retiree will survive its financial resources. In this sense, they are a complement to life insurance and, from a shooting, is the mirror of life insurance.

Health Coverages
Health insurance policies often cover the cost of private medical treatment if the National Health Service in the United Kingdom (NHS), or other publicly funded health programs do not pay for them. The result is often faster to health care where better facilities are available.

Dental insurance, as medical insurance is coverage for individuals to protect against dental costs. In the United States, dental insurance is often part of an employer's benefits package, as well as health insurance.

Disability Coverages
Disability insurance policies to provide financial support in cases where the insured is unable to work because of illness or disabling injury. It provides a monthly support to help pay those obligations as mortgages and credit cards.
Permanent total disability insurance provides for the payment of insurance benefits when a person is permanently disabled and can no longer work in their profession, often seen as a complement to life insurance.

Handicap general business owners insurance would cover overhead costs of their business while they are unable to work.

Workers' compensation insurance replaces all or part of a worker's lost wages and support for medical expenses incurred due to an accident at work.

IARD Coverages

Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance.

Insurance insures against accidents, not necessarily linked to any specific property.

Vehicle insurance, known in the UK as motor insurance, is probably the most common form of insurance and can cover both legal liability claims against the driver and the loss or damage to the vehicle of the insured himself. Throughout the automobile insurance in the United States is necessary for the political legally drive a motor vehicle on a public road. In some jurisdictions, personal injury compensation for victims of motor vehicle accidents has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation automatic, but has eligibility for benefits. Credit card companies insure against damage to rented cars.

O Driving School Insurance provides insurance coverage for any driver allowed under everything from tuition, unlike also cover other policies engine provides coverage for liability instructor where both the student and instructor are driving the both equally responsible in the event of a disaster.

Aviation insurance insures against the hull, spare parts, openness, wear and the hull liability risks.

Boiler Insurance (also known as the insurance boiler and machinery or equipment breakdown insurance) insures against accidental physical damage of equipment or machinery.

Manufacturer of risk insurance insures against the risk of loss or damage to physical property during construction. Builder of risk insurance is usually written on an "all risks" cover damage from any cause (including negligence of the insured) are not otherwise expressly excluded.

Insurance Crime is a form of insurance that covers damage to the insured against losses caused by the criminal acts committed by third parties. For example, a company could obtain crime insurance to cover losses resulting from theft or misappropriation of funds.

Crop insurance "Farmers use crop insurance to reduce or manage the risks associated with various cultures. These risks include the loss of crops and damage caused by inclement weather, hail, drought, frost damage, insects, or disease, for example. "[8]

Earthquake insurance is a form of property insurance that pays the insured in the case of an earthquake that causes damage to property. Most regular insurance policies, the owners do not cover earthquake damage. Most insurance policies have earthquake of a franchise high. Rates depend on the location and the probability of an earthquake, as well as the construction of the house.

A fidelity bond is a form of insurance that covers damage to the insured for the losses they suffered as a result of fraudulent acts by individuals. It usually provides a company for losses caused by dishonest acts of its employees.

Flood insurance protects against loss of property due to flooding. Many insurers in the United States do not provide insurance flooding in parts of the country. In response, the federal government created the National Flood Insurance Program, which serves as the insurer of last resort.
* Risk Insurance: See "Insurance".
* Home insurance or insurance Owner: See "Insurance".
* Marine insurance and ocean freight insurance to cover the loss or damage of ships at sea or inland waterways, and cargo that may be on them. When the cargo owner and the carrier are separate companies, ocean freight insurance generally compensates for the cargo owner for losses incurred since the fire, shipwreck, etc., but excludes the losses that can be recovered by the carrier or the carrier of insurance. Many marine insurance underwriters include "element" in the coverage of such policies, which extends compensation to cover lost profits and other business expenses due to the delay caused by a covered loss.

The political risk insurance is a form of insurance against damage that can be taken by companies operating in countries where there is a risk that revolution or other political conditions will result in a loss.

Surety bond insurance is a tripartite contract insurance guaranteeing the performance of the capital.

Terrorism insurance provides protection against any loss or damage caused by terrorist activities.

Volcano insurance is insurance that covers damage volcano in Hawaii.

Windstorm insurance is an insurance against damage that may be caused by hurricanes and tropical cyclones.