A cyberattack is any offensive manipulation that targets computer system information systems, computer networks, infrastructures, or individual computer devices. Depending on the context, cyberattacks can be part of cyber warfare or cyberterrorism. A product that helps with a cyberattack is often called a cyber weapon. A …
It’s essential to secure that financial investment when you buy or rent a car. Getting auto insurance can provide peace of mind in case you’re involved in the car or an accident is taken, vandalized, or damaged by a natural catastrophe. Rather than paying out-of-pocket for …
Many marriages in the U.S. will end in divorce. Not only is divorce taxing on individuals involved, but however it can also have an extreme effect on a couple’s shared financial resources and on what’s left after they split. It’s no surprise, then, that people look …
Interest rate insurance policies protect policyholders from adverse changes in interest rates for those with variable rate loans or mortgages. Rate of interest insurance coverage protects the holder of a variable rate mortgage or loan from increasing interest rates. It is typically provided individually of the original …
Tuition insurance policies provide coverage for students against involuntary withdrawal from cost-intensive educational institutions. Tuition insurance offers a financial safety net must a university student take an unanticipated pause from school. A tuition insurance coverage, which can cost numerous hundred dollars per year in premium, guarantees a …
Travel insurance is an insurance policy taken by people who travel abroad, which covers losses and damages like medical expenses, loss of personal belongings, travel delay, and personal liabilities. Travel insurance coverage is a kind of insurance that covers the losses and costs related to taking …
Title insurance protects home loan providers and homebuyers against flaws or problems with a title when there is a transfer of property ownership. If a title conflict develops throughout or after a sale, the title insurance provider may be accountable for paying defined legal damages, depending …
Purchase insurance is offered to provide protection on the products that people purchase. Purchase insurance may cover individual purchase protection, warranties, guarantees, care plans, and in some cases, even mobile phone insurance. This type of insurance is normally limited in the range of problems that its …
Pollution insurance is usually the first-party coverage for contamination of insured properties either by external or on-site sources. Coverage is also afforded for liability to third parties caused by the contamination of air, water, or land due to the sudden and usually accidental release of hazardous materials …
Pet insurance policies cover the policyholders’ pets against accidents and illnesses, with some insurance companies providing coverage for wellness care and burial. Pet insurance pays, partially or overall, for veterinary treatment of the insured individual’s injured or ill pet. Some policies will pay when the pet …
Media liability insurance is offered to professionals that engage in film and television production and print to cover them against risks such as defamation. Today, websites, blogs, and social networks are part and parcel of the media industry. The sheer expansion of media implies the opportunity …
Livestock insurance is a specific insurance policy provided to commercial or hobby farms, aquariums, fish farms, or other animal holdings. The related coverage is available for mortality or economic slaughter due to accident, illness, or disease but may also be extended to include destruction by government …
Legal expenses insurance covers the insured for potential costs of legal action against an institution or individual. “The event” is the term used to describe when something happens that triggers the need for legal action. It is usually used in big corporations; however, it is …
Expatriate insurance provides individuals and organizations outside their home country with protection for vehicles, properties, health, liability, and business pursuits. Migrant insurance plans are designed to cover other losses sustained by expatriates while working and living in a nation aside from one’s own. Insurance must be …
Business interruption insurance covers income loss and expenses incurred after a specified covered peril interrupts regular business operations. It is insurance that covers the loss of income that a business suffers following a disaster. It differs from property insurance in that property insurance only covers the …
Bloodstock insurance covers individual horses or several horses under common ownership. Coverage is usually for mortality caused by accident, illness, or disease but may be extended to include infertility, in-transit loss, veterinary expenses, and prospective foal. Livestock insurance is coverage that safeguards your animals from the …
All-risk insurance is a type of insurance policy covering a wide range of incidents and perils, except those expressly excluded. It is different from peril-specific insurance policies in that the latter cover losses from only the perils listed in the policy. In addition, all-risk insurance policies …
Credit insurance is a kind of insurance plan purchased by a debtor that pays off one or more current financial obligations in the event of a death, special needs, or in uncommon cases, joblessness. Many credit cards offer payment protection plans which are also a type …
Professional liability insurance, also commonly referred to as professional indemnity insurance, protects professionals like architectural corporations and medical practitioners against potential negligence claims filed by patients and clients. It may have different names based on the profession it caters to. For example, professional liability insurance that …
Prize indemnity insurance protects the insured party from giving away large prizes at specific events. Examples would be offering prizes to contestants who can make a half-court shot at a professional basketball game or a hole-in-one in golf tournaments. In some cases described as hole-in-one insurance, …
Errors and omissions (E&O) insurance is a business liability insurance for service professionals like insurance agents, real estate agents and brokers, architects, third-party administrators, and other business professionals. Errors and Omissions insurance is beneficial whenever you or your workers supply a service that a customer could …
Given the potentially disastrous consequences of environmental damages, it’s important for a business to examine, protect and mitigate these threats. The coverage begins both for incidents that are “unexpected and sudden” and “progressive.” Coverage likewise exists for business disruption losses. An increased level of public awareness …
Directors and officers liability insurance protects an organization or company from costs related to litigation resulting from errors made by directors or officers for which they are liable. 2021 Best Directors and Officers Liability Insurance Companies As the current year is ending very soon, we …
Public liability insurance, or general liability insurance, covers a company or organization against claims in the event that its operations cause injury or harm to a member of the public or damage their property in some way. 2021 Best Public Liability Insurance Companies As the …
Liability insurance covers a wide range of insurance types that cover legal claims against the insured. Various types of insurance include an aspect of liability coverage. For example, a homeowner’s policy normally includes liability coverage which protects them in the event of a claim brought by …
Windstorm insurance is a form of insurance that covers damages and losses that can be caused by wind events such as hurricanes. 2021 Best Windstorm Insurance Companies As the current year is ending very soon, we are now checking for the best insurance companies offering …
Volcano insurance is another specialized insurance policy that protects the insured against damage and losses caused specifically by volcanic eruptions. 2021 Best Volcano Insurance Companies As the current year is ending very soon, we are now checking for the best insurance companies offering volcano insurance. …
Surety bond insurance is a three-party insurance policy that guarantees the performance of the principal. 2021 Best Surety Bond Insurance Companies As the current year is ending very soon, we are now checking for the best insurance companies offering surety insurance. Please bear with us. …
Supplemental natural disaster insurance covers specified expenses after a natural disaster renders the homeowner’s home uninhabitable. Periodic payments are paid directly to the insured until their home is rebuilt or the specified time period has elapsed. 2021 Best Supplemental Natural Disaster Insurance Companies As the …
Marine insurance and marine cargo insurance cover the loss or damage of vessels either at sea or inland waterways and of cargo that are in transit, regardless of the method of transit. When the owner of the cargo and the carrier are separate corporations, marine cargo …
Landlord insurance typically covers both residential and commercial properties which are rented to others. Most homeowners’ insurance only covers homes occupied by the owner. 2021 Best Landlord Insurance Companies As the current year is ending very soon, we are now checking for the best insurance …
Home insurance, which is also called hazard insurance or homeowners insurance, provides coverage for the damage or destruction of the policyholder’s home. In some geographical areas, the insurance policy may specifically exclude certain types of risks, such as floods or earthquakes, that will require additional coverage. …
Flood insurance protects against property loss and damage due to flooding. Many United States insurers do not provide flood insurance in specific regions of the country due to the high probability in those areas. In response to this, the federal government introduced the National Flood Insurance …
Earthquake insurance is a form of property insurance that pays the insured in the event that an earthquake causes damage to their property. Most ordinary home insurance policies typically don’t cover earthquake damage. Earthquake insurance policies also generally have a high deductible. Rates typically depend on …
Crop insurance may be taken by farmers to reduce or control the various risks associated with growing and harvesting crops. Such risks typically include crop loss or damage caused by weather, hail, droughts, frost damage, insect, or disease. Index-based crop insurance uses models of how extreme …
Builder’s Risk Insurance (BRI) is a special type of property insurance that compensates against harm to buildings while they’re under construction. BRI is a coverage that protects a person’s or entity’s insurable interest in materials, fixtures, or equipment being used in the renovation, improvement, or construction …
Boiler insurance is more commonly known as machinery insurance or equipment breakdown insurance. Boiler insurance covers against physical damage to boilers, equipment, and machinery. 2021 Best Boiler Insurance Companies As the current year is ending very soon, we are now checking for the best insurance …
Aviation insurance is insurance plans geared specifically to the operation of an airplane and the risks involved with aviation. Aviation insurance plans are distinctly distinctive from those for other regions of transportation and have a tendency to incorporate aviation terminology, as well as terminology, limits, and …
Property insurance provides protection against risks to the policyholders’ property caused by fire, theft, or weather damage. This type may also include specialized forms of insurance such as fire, flood, earthquake, home, inland marine, and even boiler insurance. The term property insurance may be used to …
Life insurance provides financial benefits to a decedent’s family or other designated beneficiaries, and may specifically provide for income to the insured’s family, burial, funeral, and other final expenses. Life insurance policies often provide the option of having the proceeds paid to the chosen beneficiary either …
Casualty insurance is a broad spectrum of insurance policies that a number of types of insurance could be classified, such as auto, workers’ compensation, and some liability insurances. Crime insurance is a form of casualty insurance. It covers the insured against losses incurred from the criminal …
Disability insurance policies provide financial support in the event that the insured becomes incapacitated or is unable to work because of disabling illness or injury. It provides monthly support to help with financial obligations like mortgage loans and credit. Short-term and long-term disability policies are both …
Health insurance policies also cover the cost of medical treatments. Dental insurance, on the other hand, covers all dental costs. In most developed countries, all their citizens receive some form of health coverage from their governments, paid for by the people’s taxes. In most countries, employers …
Gap insurance covers the excess amount from your auto loan in the case that the insurance company does not cover the entire loan. Depending on the insurance company’s policies, it may or may not cover the deductible as well. This coverage is marketed for those who …
Auto Insurance Auto insurance protects the insured against financial loss in the event of an incident that involves a vehicle that they own, such as in traffic collisions. Coverage usually includes property coverage for damages or in the event of theft of the car. It also …
