Title 33, Chapter 7, Section 3
( 33-7-3)
Casualty insurance includes vehicle insurance as defined in Code Section 33-7-9 and accident and sickness insurance as defined in Code Section 33-7-2 and in addition includes: (1) Liability insurance, which is insurance against legal
liability for the death, injury, or disability of any human being,
or for damage to property, and which provides medical, hospital,
surgical, and disability benefits to injured persons and funeral
and death benefits to dependents, beneficiaries, or personal
representatives of persons killed, irrespective of legal liability
of the insured, when issued as an incidental coverage with or
supplemental to liability insurance; (2) Workers' compensation and employers' liability insurance,
which is insurance of the obligations accepted by, imposed upon,
or assumed by employers for death, disablement, or injury of
employees; (3) Burglary and theft insurance, which is insurance against loss
or damage by burglary, theft, larceny, robbery, forgery, fraud,
vandalism, malicious mischief, confiscation, wrongful conversion,
disposal, concealment, mysterious disappearance, destruction of
money or securities, or from any attempt at any of the foregoing,
including supplemental coverages for medical, hospital, surgical,
and funeral expenses incurred by the named insured or other person
as a result of bodily injury during the commission of a burglary,
robbery, or theft by another; also insurance against loss of or
damage to moneys, coins, bullion, securities, notes, drafts,
acceptances, or any other valuable papers and documents resulting
from any cause; (4) Personal property floater insurance, which is insurance upon
personal effects against loss or damage from any cause; (5) Glass insurance, which is insurance against loss or damage to
glass, including its lettering, ornamentation, and fittings; (6) Boiler and machinery insurance, which is insurance against any
liability and loss or damage to property or interest resulting
from accidents to or explosion of boilers, pipes, pressure
containers, machinery, or apparatus, and inspection of, and
issuing certificates of inspection upon, boilers, machinery, and
apparatus of any kind, whether or not insured; (7) Leakage and fire extinguishing equipment insurance, which is
insurance against loss or damage to any property or interest
caused by the breakage or leakage of sprinklers, hoses, pumps and
other fire extinguishing equipment or apparatus, water pipes and
containers, or by water entering through leaks or openings in
buildings, and insurance against loss or damage to such
sprinklers, hoses, pumps, and other fire extinguishing equipment
or apparatus; (8) Malpractice insurance, which is insurance against legal
liability of the insured and against loss, damage, or expense
incidental to a claim of such liability, including medical,
hospital, surgical, and funeral benefits to injured persons,
irrespective of legal liability of the insured, arising out of the
death, injury, or disablement of any person, or arising out of
damage to the economic interest of any person as the result of
negligence in rendering expert, fiduciary, or professional
services; (9) Entertainments insurance, which is insurance indemnifying the
producer of any motion picture, television, radio, theatrical,
sport, spectacle, entertainment, or similar production, event, or
exhibition against loss from interruption, postponement, or
cancellation of such event or exhibition due to death, accidental
injury, or sickness of performers, participants, directors, or
other principals; and (10) Miscellaneous insurance, which is insurance against any other
kind of loss, damage, or liability properly a subject of insurance
and not within any other kind of insurance as defined in this
title, if the insurance is not disapproved by the Commissioner as
being contrary to law or public policy. |