2. Personal insurance is a kind of insurance with human body as the subject matter of insurance. There are mainly personal accident insurance, sickness insurance (also called health insurance) and life insurance (divided into death insurance, survival insurance and old-age security) (see life insurance).
3. Liability insurance is an insurance with the civil liability of the insured as the subject matter. According to the law, the economic liability of the insured for damage to others is borne by the insurer, which is generally attached to the damage compensation insurance, such as collision liability of ship insurance, automobile insurance, aircraft insurance, engineering insurance and offshore oil development insurance. , expanding the third party liability insurance.
Mainly includes:
(1) Public liability insurance, which covers the legal liability of the insured for personal injury or property loss caused by others;
(2) Employer's liability insurance, also known as labor insurance, covers the employer's economic compensation liability for personal injury or death of employees according to the law or employment contract;
(3) Product liability insurance, which covers the liability of the insured for personal injury or other losses caused by quality defects in products produced or sold by consumers or users;
(4) Professional liability insurance, which covers the liability of doctors, lawyers, accountants, engineers and other freelancers for personal injury or other losses caused by negligence in their work;
(5) P&I insurance, the full name of which is protection and compensation insurance, covers the shipowner's liability for damages to others according to laws or contracts.
4. Credit insurance includes the liability of the third party to the insured. It mainly includes: ① Fidelity bonds, which cover the losses caused by employees' illegal acts; (2) Performance insurance, which covers the economic responsibility of one party in breach of contract.
Extended data
Conceptual types of life insurance
Life insurance concerns people's health and life. Life insurance includes not only life insurance, but also health insurance and personal accident insurance.
1. health insurance: health insurance is the insurance paid by the insurance company to the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.
2. Personal accident insurance: it is based on the condition that the human body suffers accidental injury.
3. Personal insurance: life insurance for short, is an insurance that takes the life and death of a person as the subject matter of insurance, and the insured survives or dies during the insurance liability period, and the insurer pays the insurance money according to the contract.
The business scope of life insurance includes life insurance, death insurance and endowment insurance.
(1) Survival insurance: The insurance condition is that when the agreed insurance period expires, the insured is still alive and the insurer pays the insurance money. Such as endowment insurance.
(2) Death insurance: insurance in which the insured dies during the insurance period and the insurer pays the insurance premium.
(3) Endowment insurance: insurance in which the insured dies during the insurance period and the insured is still alive when the insurance period expires, and the insurer pays the insurance premium. Such as simple life insurance.
Baidu Encyclopedia-Insurance Types
Baidu Encyclopedia-China Insurance Types