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non life insurance

Non Life Insurance also known as General insurance is a contract where the insurer promises to compensate the insured in the event that there is a loss /damage to property or against liability. General insurance typically covers any insurance other than life. Most general insurances are annual or short-term contracts. It is called Property and Casualty Insurance in the U.S.A and Non-Life Insurance in Continental Europe.
General insurance is broadly divided into two: Personal and commercial insurances.

Personal Insurances
Are for individuals and include insurances such as motor insurance, domestic package, personal accident, medical etc.

Commercial Insurances
Are for commercial entities and includes covers such as fire, burglary, work injury benefits insurance, public liability, product liability, engineering, marine, money and others. Liability insurance covers legal liabilities that may arise as a result of negligence or under statutes ie Insurance Motor Vehicles Third Party Risks Act, Work Injury Benefits Act etc.

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