Boiler insurance also known as boiler and machinery insurance or equipment breakdown insurance, insures against accidental physical damage to equipment or machinery.Onlinecarinsurancedirectory.com

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 i.e.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.Rentalcarinsurancedirectory.com

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.Freecarinsurancequotedirectory.com

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 i.e.carelessness in treating a patient caused the patient injury and monetary harm. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and 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.

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. Newjerseycarinsurancedirectory.com

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 annuityTexascarinsurancedirectory.com

Marine insurance covers the loss or damage of goods at sea. Marine insurance typically compensates the owner of merchandise for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier.

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. Floridacarinsurancedirectory.com