Tipos de Seguros

Any risk that can be quantified can potentially be insured. Among the different types of commercially available insurance are:

Types of insurance--Automobile insurance
known in the UK as motor 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's vehicle itself.
Throughout most of the United States an auto insurance policy is required to legally operate a motor vehicle on public roads.
In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits.

Types of insurance--Aviation insurance
insures against hull, spares, deductible, hull war and liability risks.

Types of insurance--Boiler insurance
(also known as boiler and machinery insurance or equipment breakdown 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.
Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded.

Types of insurance--Casualty insurance
insures against accidents, not necessarily tied to any specific property.

Types of insurance--Credit insurance
repays some or all of a loan back when certain things happen to the borrower such as unemployment, disability, or death.

Types of insurance--Crime insurance
insures the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.

Types of insurance--Crop insurance
Farmers use crop insurance to reduce or manage various risks associated with growing crops.
Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."

Types of insurance--Defense Base Act
Workers' compensation or DBA Insurance provides coverage for civilian workers hired by the government to perform contracts outside the US and Canada.
DBA is required for all US citizens, US residents, US Green Card holders, and all employees or subcontractors hired on overseas government contracts.
Depending on the country, Foreign Nationals must also be covered under DBA.
This coverage typically includes expenses related to medical treatment and loss of wages, as well as disability and death benefits.

Types of insurance--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.
In the industry, it is usually called "D&O" for short.

Types of insurance--Expatriate insurance
provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits.

Types of insurance--Financial loss insurance
protects individuals and companies against various financial risks.
For example, a business might purchase cover to protect it from loss of sales if a fire in a factory prevented it from carrying out its business for a time.
Insurance might also cover the failure of a creditor to pay money it owes to the insured. This type of insurance is frequently referred to as "business interruption insurance."
Fidelity bonds and surety bonds are included in this category, although these products provide a benefit to a third party (the "obligee") in the event the insured party (usually referred to as the "obligor") fails to perform its obligations under a contract with the obligee.

Types of insurance--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.
It will often result in quicker health care where better facilities are available.

Types of insurance--Disability insurance policies
provide financial support in the event the policyholder is unable to work because of disabling illness or injury.
It provides monthly support to help pay such obligations as mortgages and credit cards.

Types of insurance--Liability insurance
covers legal claims against the insured.
For example, a homeowner's insurance policy will normally include liability coverage which will protect the insured in the event of a claim brought by someone who slips and falls on the property, and brings a lawsuit for her injuries.
Similarly, a doctor may purchase liability insurance to cover any legal claims against him if his negligence (carelessness) in treating a patient caused the patient injury and monetary harm.
The protection offered by a liability insurance policy is two fold:
-a legal defense in the event of a lawsuit commenced against the policyholder
-indemnification (payment on behalf of the insured) with respect to a settlement or court verdict.
Liability policies typically cover only the negligence of the insured, and will not apply to results of willful or intentional acts by the insured.

Types of insurance--Marine cargo insurance
covers physical loss or damage to property while in transit via sea or inland waterways.
Marine insurance typically refers to coverage of physical damage to the transporting vessel.
Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.

Types of insurance--Purchase insurance
is aimed at providing protection on the products people purchase.
Purchase insurance can cover individual purchase protection, warranties, guarantees, care plans and even mobile phone insurance.
Such insurance is normally very limited in the scope of problems that are covered by the policy.

Types of insurance--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.
Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.

Types of insurance--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 kinds of actuarial and investment management expertise that life insurance requires.
Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources.
In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.

Types of insurance--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.

Types of insurance--Locked funds insurance
is a little-known hybrid insurance policy jointly issued by governments and banks.
It is used to protect public funds from tamper by unauthorized parties.
In special cases, a government may authorise its use in protecting semi-fondos privados, que son susceptibles de manipulación.
Os termos deste tipo de seguro normalmente son moi rigorosos.
Por iso, é usado só en casos extremos, onde a máxima seguridade dos recursos é necesaria.

Tipos de Seguros - Seguro Marina
cobre a perda ou avaría da mercadoría no mar.
O seguro marítimo normalmente compensa ao propietario da mercadoría para perdas en caso de incendio, naufraxio, etc, pero exclúe os danos que poden ser extraídos da transportadora.

Tipos de seguros - seguro de accidente nuclear
cobre danos derivados dun incidente incluíndo radio activado materiais e xeralmente é organizado a nivel nacional.
(Para os Estados Unidos, ver o prezo-Anderson Industrias Nucleares Indemnity Act).

Tipos de seguros - seguro de responsabilidade ambiental
protexe o seguro de lesións corporais, danos á propiedade e os custos de limpeza, como resultado da dispersión, liberación ou fuga de contaminantes.

Tipos de seguro - O seguro do animal de estimación
asegura animais contra accidentes e enfermidades - algunhas empresas cobren rutinas de coidados de benestar e enterro, tamén.

Tipos de seguros - seguro de risco político
pode ser retirado por empresas con operacións en países nos que hai un risco de que a revolución ou outras condicións políticas ha producir unha perda.

Tipos de seguros - seguro de responsabilidade civil profesional
adoita ser un requisito obrigatorio para os practicantes profesionais, como arquitectos, avogados, médicos e Contabilidade para proporcionar cobertura de seguro contra sinistros potencial neglixencia.
Non-profesionais titulados poden adquirir o seguro de malversação, caso en que é comumente chamado seguro contra erros e omisións e abrangue un prestador de servizos para as alegacións feitas contra el, que parten da execución de determinados servizos profesionais.
Por exemplo, un Deseño Web pode obter E & O seguro para cubrir a a certas demandas feitas por terceiros, que resulten do desempeño neglixente dos servicios de desenvolvemento web site.

Tipos de seguro - Seguro de Inmobles
ofrece protección contra os riscos de propiedade, tales como incendio, roubo ou danos do tempo.
Isto inclúe formas especiais de seguros, tales como o seguro de incendio, o seguro de inundación, terremoto de seguros, seguro de casa, interior de seguro marítimo ou seguro caldeira.

Tipos de Seguros - Seguro Terrorismo
ofrece protección contra calquera perda ou dano causado por actividades terroristas.

Tipos de Seguros - Título
proporciona unha garantía de que o título de propiedade real é investido na adquisición e / ou valor hipotecario, libres e desembaraçados de carga ou gravame. Normalmente se emite xunto con unha búsqueda da contabilidade pública realizada no momento dunha transacción inmobiliaria.

Tipos de Seguros - Seguro de viaxe
É un seguro que cubra tomada por aqueles que viaxan ó estranxeiro, que cobre as perdas, tales como gastos médicas, perda de pertences persoais, atrasos de viaxes, responsabilidades persoais, etc

Tipos de seguro - O seguro de compensación dos traballadores
substitúe todos ou parte dos salarios de un traballador perdeu e seguimento dos gastos médicas efectuadas por causa dun emprego relacionadas co prexuízo.
A política non pode cubrir os riscos en unha ou varias das categorías anteriores definidas. Por exemplo, seguro automóbil tipicamente cobre o risco de propiedade (que cobre o risco de roubo ou danos no coche) e risco de responsabilidade (que abrangue demandas legais de causar un accidente). Unha política de seguro de dono en os E.U. normalmente inclúe seguros de bens que cubra os danos para a casa e as pertenzas do dono, o seguro de responsabilidade aplicables a determinadas accións xudiciais contra o propietario, e incluso unha pequena cantidade de seguro de saúde para os gastos médicos de persoas que son feridos no manual do propietario propiedade.
As fontes potenciais de risco que poden dar orixe a demandas son coñecidas como "perigo". Exemplos de perigos poden ser incendio, roubo, terremoto, e furacán, entre moitos outros. Unha apólice de seguro ha establecer en detalle os perigos que están Abrangue pola política e que non son.

En seguida, Artigo ha aprender sobre: soster o modelo de negocio ......

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