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Tendency in the insurance industry
An insurance cycle, also known as an underwriting cycle, is a term describing the tendency of the insurance industry to swing between profitable and unprofitable
Insurance_cycle
Protection from financial loss
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain
Insurance
Thai cycling team
Roojai Insurance is a Thai (previously Indonesian) registered UCI Continental cycling team established in 2020. For its first year of existence, the team
Roojai Insurance (cycling team)
Roojai_Insurance_(cycling_team)
Regulatory body of the Government of India
with regulating and licensing the insurance and re-insurance industries in India. It was constituted by the Insurance Regulatory and Development Authority
Insurance Regulatory and Development Authority
Insurance_Regulatory_and_Development_Authority
Professional liability insurance (PLI), also called professional indemnity insurance (PII) and commonly known as errors & omissions (E&O) in the US, is
Professional liability insurance
Professional_liability_insurance
Insurance that protects against most risks to property
specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured
Property_insurance
Insurance that pays benefits for injuries or death caused by accidental events
Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury of the insured. The
Accident_insurance
Financial practice supporting a contract's value
services are provided by some large financial institutions, such as banks, insurance companies and investment houses, whereby they guarantee payment in case
Underwriting
Type of property insurance that covers a private residence
Home insurance, also commonly called homeowners insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that
Home_insurance
Intermediary between buyers and sellers of insurance
An insurance broker is an intermediary who sells, solicits, or negotiates insurance on behalf of a client for compensation. An insurance broker is distinct
Insurance_broker
Insurance for rent
Rent insurance is insurance that covers rent. Both landlords and tenants can purchase it, for inverse purposes. Landlords insure against the risk that
Rent_insurance
Insurance providing income protection when a disability prevents a person from working
Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned
Disability_insurance
United States federal law concerning health information
The Health Insurance Portability and Accountability Act of 1996 (HIPAA or the Kennedy–Kassebaum Act) is a United States Act of Congress enacted by the
Health Insurance Portability and Accountability Act
Health_Insurance_Portability_and_Accountability_Act
Insurance to mitigate risks from climate change
Shrivastava, P.; Gascoigne, J. (January 2018). "Using the adaptive cycle in climate-risk insurance to design resilient futures". Nature Climate Change. 8 (1):
Climate_risk_insurance
Information technology risk insurance
Cyber insurance is a specialty insurance product that protects businesses from risks relating to information technology infrastructure and activities.
Cyber_insurance
Insurance that pays benefits upon the policyholder's death
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer
Life_insurance
Insurance that covers financial losses from events during travel
Travel insurance is an insurance product for covering unexpected losses incurred while travelling, either internationally or domestically. Basic policies
Travel_insurance
Insurance purchased by an insurance company
Reinsurance is a form of insurance contract which protects insurance firms from risks relating to the policies they underwrite. Reinsurance firms contract
Reinsurance
System of health insurance
National health insurance (NHI), sometimes called statutory health insurance (SHI), is a system of health insurance that insures a national population
National_health_insurance
Defrauding of insurance
Insurance fraud is any intentional act committed to deceive or mislead an insurance company during the application or claims process, or the wrongful
Insurance_fraud
Insurance that covers lost income when normal business operations are disrupted
Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers
Business interruption insurance
Business_interruption_insurance
Insurance for road vehicles
Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles
Vehicle_insurance
American mutual insurance company
Shelter Mutual Insurance Company is a mutual insurance company which focuses on auto, property, business, and life Insurance. It operates in fifteen U
Shelter_Insurance
Insurance that reimburses veterinary costs
Pet insurance is a type of insurance that pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies
Pet_insurance
Insurance that protects against the loss of crops or crop related revenues
Crop insurance is insurance purchased by agricultural producers and subsidized by a country's government to protect against either the loss of their crops
Crop_insurance
Splitting of financial risk among parties
In insurance, co-insurance or coinsurance is the splitting or spreading of risk among multiple parties. In the U.S. insurance market, co-insurance is
Co-insurance
Suspension of contractual obligations during extreme circumstances
organization Mutual savings bank Rochdale Principles Savings and loan association Social insurance Trade union Insurance cycle Category List of topics
Force_majeure
Insurance covering health-related expenses
Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of
Health_insurance
has free time, as their primary focus is caring for patients. The insurance cycle time is often severely hampered by the APS, as it could take weeks
Attending_physician_statement
Insurance against damage to buildings while they are under construction
Builder's risk insurance (Contractor's All Risk insurance – CAR insurance) is a type of property insurance which indemnifies against damage to buildings
Builder's_risk_insurance
Type of liability insurance
Umbrella insurance is a form of liability insurance that provides coverage when liability exceeds the limits of other insurance policies, such as auto
Umbrella_insurance
Insurance policy for a tenant's personal property and liability
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include
Renters'_insurance
Fraternity organized as an order
membership beginning in the 1930s. As the state assumed many of the social insurance functions previously provided by lodges, fraternal orders increasingly
Fraternal_order
Life insurance providing coverage for a fixed period with no cash-value component
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant
Term_life_insurance
Type of insurance policy
Mortgage insurance (also known as mortgage guarantee and home-loan insurance) is an insurance policy which compensates lenders or investors in mortgage-backed
Mortgage_insurance
Form of mutual maritime insurance
indemnity insurance, more commonly known as P&I insurance, is a form of mutual maritime insurance provided by a P&I club. Whereas a marine insurance company
Protection and indemnity insurance
Protection_and_indemnity_insurance
Type of vehicle insurance
Protection (GAP) insurance (also known as GAPS) is a type of car insurance in the North American financial industry. GAP insurance protects the borrower
GAP_insurance
Permanent life insurance with fixed premiums and guaranteed cash-value accumulation
life insurance, or whole of life assurance (in the Commonwealth of Nations), sometimes called "straight life" or "ordinary life", is a life insurance policy
Whole_life_insurance
Health insurance for dental care
Dental insurance is a form of health insurance designed to pay a portion of the costs associated with dental care. The American Dental Association has
Dental_insurance
Development of insurance practices and institutions from antiquity to the present
The history of insurance traces the development of the modern business of insurance against risks, especially regarding cargo, property, death, automobile
History_of_insurance
Contract between the insurer and the insured
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims
Insurance_policy
Insurance that agrees to pay out upon a triggering event
Parametric insurance (also called index-based insurance) is a non-traditional insurance product that offers pre-specified payouts based upon a trigger
Parametric_insurance
Covers loan repayments if borrower cannot pay due to illness, unemployment, or death
Payment protection insurance (PPI), also known as credit insurance, credit protection insurance, or loan repayment insurance, is an insurance product that enables
Payment_protection_insurance
Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss
Vehicle insurance in the United States
Vehicle_insurance_in_the_United_States
Insurance not directly concerned with life, health, or property insurance
insurance is a defined term which broadly encompasses insurance not directly concerned with life insurance, health insurance, or property insurance.
Casualty_insurance
Insurance that covers legal liability for injury, damage, or loss caused to others
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the “insured”)
Liability_insurance
Government-sponsored social program
Social insurance is a form of social welfare that provides insurance against economic risks. The insurance may be provided publicly or through the subsidizing
Social_insurance
Identification, evaluation and control of risks
(at any phase in design, development, production, or sustaining of life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters
Risk_management
Policy to insure a sales promotion
Over-redemption Insurance (also sometimes called over-redemption coverage) is a type of insurance that is purchased by businesses to protect themselves
Over-redemption_insurance
Form of insurance
Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment
Workers'_compensation
Private mortgage insurance
Lenders mortgage insurance (LMI), also known as private mortgage insurance (PMI) in the US, is a type of insurance payable to a lender or to a trustee
Lenders_mortgage_insurance
Insurance covering the loss of ships and other transport
origin and the final destination. Cargo insurance is a sub-branch of marine insurance, though marine insurance also includes onshore and offshore exposed
Marine_insurance
Bearing risk that is usually outsourced
Self insurance is a risk management method in which an organization that is liable for some risk does not take out any third-party insurance, but rather
Self-insurance
Irish racing cyclist (born 1978)
he joined fellow Irish professional Ciarán Power in the Navigators Insurance Cycling Team. He came second in the mountains classification in the Jacob's
David_O'Loughlin_(cyclist)
Analyst of business risk and uncertainty
auto insurance, homeowners insurance, commercial property insurance, workers' compensation, malpractice insurance, product liability insurance, marine
Actuary
Out-of-pocket expense requirement in insurance
In an insurance policy, the deductible (in British English, the excess) is the amount paid out of pocket by the policy holder before an insurance provider
Deductible
Indemnification insurance for a prize promotion
Prize indemnity insurance is indemnification insurance for a promotion in which the participants are offered the chance to win prizes. Instead of keeping
Prize_indemnity_insurance
Contractual obligation to compensate for losses incurred by the other party
Indemnities form the basis of many insurance contracts; for example, a car owner may purchase different kinds of insurance as an indemnity for various kinds
Indemnity
Law and insurance industry phrase
Total Permanent Disability (TPD) is a phrase used in the insurance industry and in law. Generally speaking, it means that because of a sickness or injury
Total permanent disability insurance
Total_permanent_disability_insurance
Type of insurance
Kidnap and ransom insurance or K&R insurance is designed to protect individuals and corporations operating in high-risk areas around the world. Locations
Kidnap_and_ransom_insurance
Organisation of workers with common goals
Rochdale Principles Savings and loan association Social insurance Trade union Insurance cycle Category List of topics v t e Syndicalism Precursors Mutualism
Trade_union
Liability and equipment coverage for aircraft
Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies
Aviation_insurance
health insurance coverage. The table lists the percentage of the total population covered by total public and primary private health insurance, by government/social
List of countries by health insurance coverage
List_of_countries_by_health_insurance_coverage
Laws and regulations that relate to insurance
Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories -
Insurance_law
Type of liability insurance
officers liability insurance (also written directors' and officers' liability insurance; often called D&O) is liability insurance payable to the directors
Directors and officers liability insurance
Directors_and_officers_liability_insurance
Insurance contract type
No-fault insurance is any type of insurance contract under which the insured party is indemnified by their own insurance company for losses, regardless
No-fault_insurance
Insurance covering boilers
Boiler insurance (Boiler cover) is a type of insurance that covers repairs and in some instances, the replacement of a home or company boiler. In the
Boiler_insurance
Latin phrase meaning "in proportion"
you can maintain your ownership." In insurance, pro rata is used to determine risk based on the time the insurance policy is in effect. It may also be
Pro_rata
Insurance which pays monthly for nursing home or assisted-living care
Long-term care insurance (LTC or LTCI) is an insurance product, sold in the United States, United Kingdom, Canada and Germany that helps pay for the costs
Long-term_care_insurance
Belgian cycling team
2026-08-05. Retrieved 2026-08-12. "AG Insurance - Soudal Team 2025". ProCyclingStats. Retrieved 17 July 2025. "2023 AG Insurance-NXTG U23 Team". Official website
AG_Insurance–Soudal
Process used to track revenue from patients
proprietary technologies. The revenue cycle typically includes several stages such as patient registration, insurance verification, charge capture, medical
Revenue_cycle_management
Effects of climate change on insurance markets in the United States
events is requiring the insurance industry in the United States to recalculate risk assessments for various lines of insurance. From 1980 to 2005, private
Climate change and insurance in the United States
Climate_change_and_insurance_in_the_United_States
Type of insurance
Legal protection insurance (LPI), also known as legal expenses insurance (LEI) or simply legal insurance, is a particular class of insurance which facilitates
Legal_expenses_insurance
Insurance in the United Kingdom is a major part of the country's financial services industry, providing life, general and health insurance, as well as
Insurance in the United Kingdom
Insurance_in_the_United_Kingdom
Service which may reimburse senders for lost parcels
Shipping insurance is a service which may reimburse senders whose parcels are lost, stolen, and/or damaged in transit. In Canada and the US, shipping
Shipping_insurance
Cash value life insurance in the US
Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States. Under the terms of the policy
Universal_life_insurance
Form of indemnity insurance
Title insurance is a form of indemnity insurance, predominantly found in the United States and Canada, that insures against financial loss from defects
Title_insurance
Statutory type of insurance programs in Japan
National Health Insurance (国民健康保険, Kokumin-Kenkō-Hoken) is one of the two major statutory types of insurance programs available in Japan. The other is
National Health Insurance (Japan)
National_Health_Insurance_(Japan)
Type of insurance in the United States
Inland marine insurance is an insurance category in the United States that indemnifies loss to movable or specialized types of property, historically
Inland_marine_insurance
Legal concept
Insurance bad faith is a tort unique to the law of the United States (but with parallels elsewhere, particularly Canada) that an insurance company commits
Insurance_bad_faith
Insurance coverage against property loss from flooding
Flood insurance is the specific insurance coverage issued against property loss from flooding. To determine risk factors for specific properties, insurers
Flood_insurance
Measure protecting bank depositors from losses caused by a bank default
Deposit insurance, deposit protection or deposit guarantee is a measure implemented in many countries to protect bank depositors, in full or in part,
Deposit_insurance
Member-owned financial cooperative
provides deposit insurance similar to the manner in which the Federal Deposit Insurance Corporation (FDIC) provides deposit insurance to banks. State-chartered
Credit_union
Type of annuity contract
Longevity insurance, describes the process of mitigating longevity risk. In the United States, such risk mitigation is often achieved using a longevity
Longevity_insurance
Type of insurance for accidental injuries
In insurance, an accidental death and dismemberment (AD&D) policy provides financial benefits to the insured or their beneficiaries in the event of accidental
Accidental death and dismemberment insurance
Accidental_death_and_dismemberment_insurance
Insurance that covers a defined group of people
Group insurance is an insurance that covers a group of people, for example the members of a society or professional association, or the employees of a
Group_insurance
Historical coffee shop in London, England
to discuss maritime insurance, shipbroking and foreign trade. The dealings that took place led to the establishment of the insurance market Lloyd's of London
Lloyd's_Coffee_House
Cycling team
Navigators Insurance Cycling Team (UCI Code: NIC) was an elite road bicycle racing cycling team in the United States. Navigators focused on USA Cycling and UCI
Navigators_(cycling_team)
Government-run auto insurance system in Canada
Public auto insurance is a government-owned and -operated system of compulsory automobile insurance used in the Canadian provinces of British Columbia
Public_auto_insurance
Type of financial asset
An insurance-linked security (ILS) is a type of financial asset whose value is driven by insurance loss events. Those such instruments that are linked
Insurance-linked_security
Type of insurance policy
Expatriate insurance are insurance policies that are designed to cover financial and other risks incurred specifically by expatriates while living and
Expatriate_insurance
Situations involving imperfect or unknown information
ignorance, indolence, or both. It arises in any number of fields, including insurance, philosophy, physics, statistics, economics, entrepreneurship, finance
Uncertainty
Type of insurance
Bond insurance, also known as "financial guaranty insurance", is a type of insurance whereby an insurance company guarantees scheduled payments of interest
Bond_insurance
Insurance policy to cover loss of income
Income Protection Insurance (IPI) also known as loss of earnings insurance is an insurance policy paying benefits to policyholders who are incapacitated
Income_protection_insurance
Promise to assume responsibility for defaulted debt
Society of London (whose insurance business ultimately merged into Aviva), dates from 1840. In 1865, the Fidelity Insurance Company became the first US
Surety
Possibility of something bad happening
business, economics, environment, finance, information technology, health, insurance, safety, security, and privacy. The international standard for risk management
Risk
Health insurance costs are a major factor in access to health coverage in the United States. The rising cost of health insurance leads more consumers
Health insurance costs in the United States
Health_insurance_costs_in_the_United_States
Tuition insurance is a form of insurance coverage designed to protect students and their families from financial losses in the event a student must withdraw
Tuition_insurance
Type of insurance
placed insurance, may be classified as single-interest insurance if it protects the interest of the lender, a single party, or as dual-interest insurance coverage
Collateral protection insurance
Collateral_protection_insurance
American racing cyclist (born 1977)
Pro Cycling Team 2001 – Navigators Insurance Cycling Team 1st United States National Criterium Championships 2002 – Navigators Insurance Cycling Team
Kirk_O'Bee
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