All-risk insurance is an insurance that covers a wide range of incidents and perils, except those noted in the policy. All-risk insurance is different from peril-specific insurance that cover losses from only those perils listed in the policy. Bloodstock insurance covers individual horses or a number of horses under common ownership. Coverage is typically for mortality as a result of accident, illness or disease but may extend to include infertility, in-transit loss, veterinary fees, and prospective foal. In car insurance, all-risk policy includes also the damages caused by the own driver.
Business interruption insurance covers the loss of income, and the expenses incurred, after a covered peril interrupts normal business operations. Depending on the country, foreign nationals must also be covered under DBA. Pet insurance insures pets against accidents and illnesses; some companies cover routine/wellness care and burial, as well. This coverage typically includes expenses related to medical treatment and loss of wages, as well as disability and death benefits. Expatriate insurance provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits.
Legal expenses insurance covers policyholders for the potential costs of legal action against an institution or an individual. When something happens which triggers the need for legal action, it is known as "the event". There are two main types of legal expenses insurance: before the event insurance and after the event insurance. Defense Base Act insurance provides coverage for civilian workers hired by the government to perform contracts outside the United States and Canada. Pollution insurance usually takes the form of first-party coverage for contamination of insured property either by external or on-site sources. DBA is required for all U.S. citizens, U.S. residents, U.S. Green Card holders, and all employees or subcontractors hired on overseas government contracts. Livestock insurance is a specialist policy provided to, for example, commercial or hobby farms, aquariums. Media liability insurance is designed to cover professionals that engage in film and television production and print, against risks such as defamation.
Coverage is also afforded for liability to third parties arising from contamination of air, water, or land due to the sudden and accidental release of hazardous materials from the insured site. Tax insurance is increasingly being used in corporate transactions to protect taxpayers in the event that a tax position it has taken is challenged by the IRS or a state, local, or foreign taxing authority. Nuclear incident insurance covers damages resulting from an incident involving radioactive materials and is generally arranged at the national level. Fish farms or any other animal holding. Cover is available for mortality or economic slaughter as a result of accident, illness or disease but can extend to include destruction by government order. The policy usually covers the costs of cleanup and may include coverage for releases from underground storage tanks. Intentional acts are specifically excluded.