Types of Insurance: More than 161 Policies
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Do you know that there are more than 161 kinds of insurance policies to protect you and your belongings?
Type in any insurance name that you have come across, and check out the way it can cover you.Find Insurance Policies
You can also click on the insurance types below to know more about them.
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Accident
An insurance policy, that provides coverage for accidental death or serious injury to the insured.
Coverage:
- Personal accident insurance - Provides financial assistance if the accident doesn’t happen at work.
- Job accident insurance - Offers financial protection, if the accident takes place at work.
Plan Type: Individual
Coverage Subject: Entity
Premium Type: Moderate
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Aircraft/Aviation
Insurance policy for the owners or renters of aircraft, helicopters, airports, and commercial aviation companies.
Coverage:
- Physical damage to the insured item.
- Property damage and/or bodily injury to the named insured.
- Property damage and/or bodily injury to people other than the named insured.
Plan Type: Individual
Coverage Subject: Object
Premium Type: Moderate
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Annual Travel
Insurance policy which intends to cover the risks associated with travelling throughout a year.
Coverage:
- Single trip - Covers the unexpected expenses for a single trip in a year.
- Multi trip - Provides coverage for multiple trips in a year.
Plan Type: Individual and/or family
Coverage Subject: Entity
Premium Type: Moderate
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Antiques
Insurance policy which covers vintage items that has been enlisted in the policy. Usually bought for protection of valuables or personal property, which regular homeowner's or auto insurance policies don’t cover.
Coverage:
- Antique cars
- Heirlooms
- Estate jewelry
- Art works
- Furniture etc.
Plan Type: Both Individual and Group
Coverage Subject: Objects
Premium Type: Expensive
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Art
Provides financial compensation for the loss or damage of any artwork or sculpture. Usually bought to cover the expensive paintings or works of famous artists etc.
Coverage:
- Theft of the insured item
- Breakage or mishap during transit
- Damage to insured items during high risks like in a flood or earthquake zone etc.
Plan Type: Both Individual and Group
Coverage Subject: Objects
Premium Type: Expensive
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Auto
An insurance policy which provides financial compensation, when the policy-owner’s automobile gets involved in any accident. Covers the damages and injuries to life and property.
Coverage:
- Accidents
- Medical conditions or injuries after an accident
- If the insured gets hit by insured or uninsured driver
- Damages from Collision
- Comprehensive coverage for unforeseen circumstances like damages due to storm, vandalism, or from falling of passive objects like tree or posts etc.
Plan Type: Individual
Coverage Subject: Both Entity and Object
Premium Type: Moderate
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Avian
Insurance policy that provides coverage for birds. Usually protects the costly exotic pets.
Coverage:
- Accidental injuries, e.g. following collision with a fan or window
- Feather picking
- GI infections
- Respiratory problems
- Veterinary care for other illnesses.
Plan Type: Individual
Coverage Subject: Both Entity and Object
Premium Type: Moderate
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Backpackers
Travel insurance which offers more scope for customization. These policies cover longer trips for extended time periods, especially the overseas trips.
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Bicycle
Insurance policy which compensates the owner of the insured bicycle during damage, loss or theft.
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Birthday
Insurance policy bought by the grandparents for their grandchildren.
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Boat
Compensates the policy owner or the other party for loss or damage to their boat.
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Boiler
Insurance policy which pays for the repair and replacement costs of the boiler and heating controls in a house.
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Breakdown
A coverage that pays the repairing costs for the mechanical breakdowns of an insured vehicle. It usually doesn’t cover maintenance and damages caused by normal wear and tear.
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Builders
Policy offering insurance protection to the owners of the building or the contractors, while the building is still under construction. Acts as a security option against damages and risks, for the construction period only.
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Buildings
Insurance policy which pays the owner for the financial losses, if the structure of the building gets damaged.
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Burial
Life insurance coverage that pays for the burial costs after the insured dies
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Business
Insurance policy for the owners or renters of aircraft, helicopters, airports, and commercial aviation companies.
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Business Overhead Expense Disability
A smart combination of business insurance and disability insurance policies. Pays for the ongoing expenses of an operating business, when the owner becomes disabled.
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Business Travel
Functions like a conventional travel insurance policy. Covers risks and unexpected expenses only for the work-related trips.
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Car Dealer
Insurance policy which offers protection against risks to the automobile dealerships.
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Caravan
Insurance policy which is specifically designed to protect damages to the caravans. Special coverage required since caravans are expensive.
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Care Home
Insurance policy intended to protect the homes that offer sheltered accommodation and long term care or nursing care.
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Casualty
An extensive form of insurance coverage that protects against losses or damages caused by accidents.
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Cat
Policy offering insurance protection to pet cats and kittens. Pays the expenses for medical and veterinary care.
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Catering
Insurance policy to cover damages and/or losses to a catering business.
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Chauffeur
Insurance policies bought for vehicles which are driven by various drivers. The owner of the car or business executive appoints chauffeurs (drivers) for their automobiles. The drivers are changed frequently, and thus need to be insured.
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Chemist
Provides insurance protection to the chemist and his/her business against the unforeseen risks.
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Church
Insurance cover specifically designed for faith-based and religious organizations like churches, mosques and synagogues.
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Classic Car
Special auto insurance protection for old, antique or vintage cars, since the value of these vehicles appreciate with time. Pays for a pre-determined value of the car, following accidental damage or loss.
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Commercial
Offers insurance protection to business firms and organizations, governmental units as well as non-profit organizations.
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Computer
Insurance policy offering coverage to computer hardware, systems and data against sudden loss or damage. Vital for businesses which are dependent on computers.
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Computer Consultant
Insurance protection for professionals working in the Information Technology industry, as system administrators, programmers etc.
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Computer Contractor
Insurance protection for the computer contractors against the statutory and contractual obligations.
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Concert and Gig
Specialized insurance protection that covers single or multiple concert events and gigs.
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Condo
A form of home owner’s insurance that specifically covers the condominiums.
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Conference
Coverage which protects the conference organizers against the risks during conferences, seminars and similar events.
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Construction
A form of business insurance protection shielding the contractors against a diverse range of risks in construction sites.
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Contents
Insurance protection for the personal belongings and contents in home or property.
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Corporate-Owned
Life insurance policy that covers the life of an employee or worker of a company or organization. The policy is however owned by the employer and the benefits are either received by him or paid directly to the employee’s family. Especially bought for key executives, and to finance benefit plans.
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Credit
Insurance policies bought to pay off the debts and loans of the insured.
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Critical Illness
A form of health insurance which offers financial assistance when the insured is seriously or terminally ill.
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Crop
Insurance coverage for the agricultural producers which protects against loss or damage to the crops.
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Cyber Space Liability
A form of liability insurance especially required by the Internet service providers, computer consulting businesses, or web site developers etc.
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Data Breach
A form of business insurance protection for the professionals which cover the risks after data breaches and system hackings. Pays for the first party and third party losses.
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Dental
Insurance policy which covers the dental care costs for an individual, as well as for family.
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Disability
Insurance policy that offers financial compensation when the insured is unable to work, and consequently can’t earn.
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Dog
Policy offering insurance protection to the pet dogs.
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Dog Bite
Insurance policy which ensures additional liability coverage for the pet owners.
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Driver
Insurance protection for the drivers, even for those who drive taxis, trucks etc.
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- Earthquake
Insurance protection that pays for the losses after an earthquake.
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- Employment Practice Liability
A form of insurance policy which protects the insured business and the professional business people against claims and lawsuits filed by the employees.
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- Engineering
Additional insurance protection for the engineers and the engineering businesses to protect from the unpredictable events.
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- Equity Indexed Universal Life or EIUL
A form of permanent life insurance policy which allows the policyholder to invest in traditional fixed income securities. Along with a minimum guaranteed fixed rate, it comes with the indexed returns. The accumulation values are tied to the stock market index.
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- Errors and Omissions
Individual insurance protection for the professionals and for those engaged service-oriented business against the client dissatisfactions and complaints.
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- Event
Policy offering insurance protection against the risks that can disrupt specific event.
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- Factory
A modified version of business insurance, designed to cover the workforce and business of the manufacturing units or factories.
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- Fair
Insurance coverage for the stall in fairs, livestock shows, expositions etc.
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- Farm
Offers insurance protection to the farmers and his business including building, machinery, stock, vehicles, crops, livestock etc.
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- Festival and Carnival
Special form of event insurance policy which covers local festivals and carnivals.
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- Final Expense
A form of life insurance policy intended to cover the burial and funeral expenses after the insured’s death.
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- Fish Stock
A form of business insurance protection for the fisheries, which covers against the potential risks to the fish or livestock.
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- Fleet
A form of commercial or business auto insurance coverage for a company’s multiple vehicles.
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- Flood
Policy offering insurance protection to the structure and content of the insured home or property, from the damages caused by flood.
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- Footballer
Insurance protection for the professional football players
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- Funeral
Pays the family members or the named beneficiary for the funeral expenses after the demise of the insured
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- Gadget
Insurance protection for the mechanical devices termed as 'gadgets'.
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- Garage
Policy which offers insurance protection to a garage, in case it is held liable for negligent operation or repair works.
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- General
Insurance policies which don’t cover life, but offers compensation for losses to properties.
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- Golf
Insurance protection for the professional golf players
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- Group
Health insurance coverage for a group of individuals (usually members or employees of an organization). Usually comes with similar limits of coverage for all, at reduced rates for individual members.
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- Guaranteed Auto Protection (GAP)
A form of additional auto insurance coverage that pays the outstanding loan or lease balance, when the car is totaled, after the regular auto insurance policy pays the Actual Cash Value for the vehicle.
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- Health
Insurance policy which pays for the medical and surgical expenses, when the insured suffers from ill health.
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- Holiday Home
Insurance policy offering protection to the vacation properties, or the so-called 'holiday homes'.
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- Home Owners
Insurance policy offering protection to an individual’s home and its contents, against possible damages and the resultant financial losses.
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- Horse
Policy offering insurance protection for horses
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- Hotel
Property and business insurance protection for the hospitality industry. Compensates the hotel-owner during risks
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- Household
Insurance policy offering protection to the houseowners against damages to property and contents of home
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- Income Protection
Compensates the income of the insured in case he/she becomes unable to work due to accident or serious medical illness.
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- Industrial Plant
Policy which covers the insured from the risks associated with an industrial plant.
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- Irrevocable
Life insurance policies or trust in which once the beneficiary is named, even the policyholder isn’t allowed to bring about further changes, without permission from the named beneficiary.
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- IT Workers
Insurance policy ensuring protection for the IT workers.
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- Jewelry
Special insurance coverage to preserve the rings, and fine jewelries that standard home insurance policies don’t cover.
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- Keyman
A form of business insurance protection for the 'key' or significant persons involved in a business, whose loss will affect the organization financially.
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- Kidnapping and Ransom
Insurance policy which offers financial assistance during abductions and extortions, i.e. if the insured gets kidnapped, and the miscreants demands for ransom.
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- Landlord
Insurance policy for the property owners or landlords to protect their rental properties.
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- Legal Expenses
Insurance protection that pays for the legal expenses, if the insured gets sued.
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- Lenders Mortgage
Policy offering insurance protection to the lenders if the borrower defaults on the mortgage payments.
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- Liability
Insurance policy that pays for damages or injuries to other people and property.
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- Life
Insurance policy that pays a lump sum amount to the survivors after the insured individual passes away.
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- Loan
Insurance policy which pays the outstanding dues on a loan if the policyholder is unable to pay it back.
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- Long Term Care
Insurance policy which pays for the assisted costs of daily living, medical or non-medical care when the insured needs constant care.
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- Magician's
Insurance policy designed to protect the magicians against unforeseen events.
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- Manufacturing
Offers insurance protection for manufacturing business.
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- Marine
Insurance policy offering coverage against the marine risks.
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- Media
Insurance protection for the companies that disseminates information through channels of communication
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- Medical Supplies
A form of business insurance protection for the companies that develop or distribute medical devices or equipments
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- Mortgage
Insurance policy that ensures repayment of the due mortgage loan amount to the lender
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- Motor Fleet
A form of commercial auto insurance policy which covers multiple vehicles, like the company’s automobiles, vans, cars, pick-ups etc.
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- Motor Sport
Insurance policy extending protection for the motoring enthusiasts, auto racers and sports industry.
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- Motor Trader
A form of business insurance protection for those working in the motor trade industry like mechanics, car salesman, valets etc.
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- Motorcycle
Insurance protection for the motorcycles, motorbikes, scooters, mopeds etc.
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- Musician
Insurance protection for the musicians and musical instruments
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- Newsagents
Insurance policy which protects the newsagents and their business.
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- Nightclub
A form of specialized business insurance offering protection to the nightclubs, bars, taverns etc.
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- No Fault
A form of auto insurance coverage which compensates the insured regardless of who was at-fault for the accident.
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- Office
A form of business insurance policy offering protection to the enterprises, their respective office and equipments.
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- Oil Refinery
Special insurance protection for the oil refineries.
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- Parametric
A form of specialized insurance policy which doesn’t cover a pure loss, but agrees to compensate a specified amount after a triggering event, like after fire, drought, earthquake etc. Usually covers the risks associated with catastrophes only.
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- Patent Infringement
Policy offering business insurance protection to the companies against copyright, trademark or patent infringement claims arising out of the company’s operations.
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- Permanent Life
Insurance policy which offers lifetime coverage, i.e. till the insured dies, and accumulates cash value with time.
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- Personal Electronic Equipment
Ensures additional coverage for the expensive electronic equipments like television, stereos, computer, audio equipments in home. Pays for the loss or damage of insured items, even if it’s caused during installation.
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- Pet
Insurance protection for the pet animals
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- Petrol Station
Insurance cover specially designed for the petrol stations
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- Pharmaceutical Manufacturers
Policy offering business insurance protection to the pharmaceutical manufacturers
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- Pharmacy (Business)
A form of business insurance protection covering the risks related to a pharmacy
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- Pharmacy (Health)
Health insurance plans which especially cover the prescription drug expenses
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- Photographer
Insurance policy especially designed for the professional and amateur photographers
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- Political Risk
Insurance coverage for the businesses which protects against various types of political risks
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- Product Liability
A form of business insurance protection which pays for the third party claims related to the sale of the products
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- Professional Indemnity
Insurance policy that pays for the claims in case the policyholder is accused of professional negligence
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- Professional Liability
A form of liability insurance coverage that protects the professionals in case he or she is held responsible for professional negligence and failure to carry out duties
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- Property
Insurance policy which covers the risks that causes loss or damage to property
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- Pub and Public House
A form of business insurance protection for the pubs, public houses, bar etc.
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- Recreational Vehicle
Insurance protection for the wheeled vehicles used for camping and other recreational purposes. E.g. motor homes, Airstream travel trailers, mounted truck campers, fifth wheel trailers etc.
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- Reinsurance
Offers protection to an insurer or insurance company, who transfers a portion of its risks to a third party. The third party thereby acts as the insurer to the primary insurance company, and is known as the re-insurer.
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- Rental Value
A form of property insurance coverage which pays for the loss of rental income if the insured premises is damaged by any covered peril and becomes unusable for the time being. The property owner, landlord or the individual occupying the property can seek the rental value of the property.
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- Renters
Insurance protection for the rented properties and the personal possessions of the renter.
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- Restaurant
A form of business insurance designed to cover restaurants.
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- Return of Premium Life
A form of life insurance policy which offers protection for a specified term, and returns the premiums paid for the policy if the insured survives beyond that time period
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- Revocable
Life insurance policies which allow the policyholder to make any change in the terms of policy (e.g. change in name of appointed beneficiary etc.), till he is alive.
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- Scheduled Personal Property
A special form of insurance coverage for the valuable contents of a home. Special items like jewelry, expensive handbags, artworks, designer wears, furs etc. are appraised and specific value amounts are assigned for them, under this form of coverage.
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- Second Home
Policy offering home insurance protection for the second homes, which are not used primarily for residential purposes, and are mostly used during vacations etc.
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- Self
Insurance policy acting as a risk management tool, with a stipulated sum of money set aside for future risks.
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- Service Garage
Policy offering insurance protection to the service garage against the future losses.
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- Shop
Insurance protection for the shop owners and retailers.
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- Show Car
Insurance protection for the custom made automobiles which are put up for display and not for sale.
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- Specialist Car
Insurance coverage designed for the expensive and specialist automobiles.
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- Specialist Home
Customized insurance protection, especially for the non-standard homes or properties like for holiday-homes, buy to let properties, care homes, listed properties, flat-roof or thatched homes etc.
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- Specialist Travel
Travel insurance coverage especially designed for the elderly individuals and for those with pre-existing conditions.
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- Sports
Insurance protection for the sports professionals
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- Sports Car
Auto insurance coverage for the sports and high performance cars.
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- State Disability
Insurance coverage that pays for the loss of income, if the insured is unable to earn, and the disability is not caused by the job or work.
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- Student
Insurance protection intended to cover the students who go abroad for studies.
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- Student Travel
Travel insurance for the students
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- Taxi
Offers auto insurance protection to the taxis or cabs.
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- Term Life
Life insurance policy offering coverage for a specific time period, with no cash value.
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- Terrorism
Insurance policy covering losses and liabilities arising due to major terrorist attacks.
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- Title
Insurance protection for the property owners, lenders or mortgagees, which pays for any financial loss related to the title of the property.
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- Tradesman
Insurance policy offering protection to tradesmen and their business.
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- Trauma
Insurance policy which makes the benefit payments when the insured is diagnosed with a severe medical condition.
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- Travel
Insurance protection for the travelers
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- Truck and Lorry
Auto insurance policy intended to cover trucks and Lorries.
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- Underinsured Motorist
Compensates the insured after an accident, if the at-fault party’s policy limits are inadequate to compensate for the damages or injuries.
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- Uninsured Motorist
Compensates the insured in case he or she gets involved in an accident with a driver having no insurance coverage.
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- Universal Life
A form of life insurance coverage, which combines the benefits of a term life as well as a whole life policy. Offers flexibility at low cost along with the cash value (savings) advantage.
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- Van
A form of auto insurance coverage intended for the vans only.
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- Variable Life
A form of permanent life insurance policy which allows the advantage of investment in other funds like in stocks, bonds etc.
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- VIP Home
Home insurance policies especially designed to cover properties of dignitaries.
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- VIP Travel
Travel insurance plans for public figures or celebrities.
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- Warehouse
Insurance policy which offers compensation to the owner of the business after damages to the warehouse premises or stored merchandise.
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- Weather
Policy offering insurance protection against uncertain weather conditions, and the resulting damages.
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- Website
Insurance coverage for the website owners. Offers protection against the unexpected risks.
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- Wedding
Insurance policy which pays for the losses, if anything goes wrong on the insured wedding day.
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- Whole Life
Policy offering insurance coverage to the policyholder, for the rest of his life.
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- Workers’ Compensation
Insurance policy offering compensation to the employees of an organization for occupational accidents and diseases.
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- Earthquake