Every line of cover the register recognises
53 lines across 6 families, with the names each goes by in Australia, the United Kingdom and the United States. Each page says what the line covers, when it responds, which industries usually carry it and the standards clauses it engages.
For every market line the register computes the deductible retained per claim and, with a claims count, per year; the limit less the deductible the insurer carries; the premium as a share of the limit; and the three-year loss ratio where claims paid are given. Statutory lines are listed with their loss ratio and left out of the rate on line and the flags.
Liability
11 linesClinical trials liability clinical trial insurance, trial participant coverCyber cyber liability, network security and privacyEnvironmental and pollution liability pollution liability, environmental impairment liabilityIntellectual property IP infringement, patent infringement coverMedia liability multimedia liability, publishers liabilityMedical malpractice medical indemnity, healthcare professional liabilityProduct liability products liability, products and completed operationsProfessional indemnity errors and omissions, E&OPublic liability general liability, GLTechnology errors and omissions tech E&O, technology liabilityUmbrella and excess liability umbrella liability, excess liability
Property
15 linesBusiness interruption BI, loss of profitsCommercial motor fleet, commercial autoContract works construction works, builders riskContractors plant and equipment mobile plant, construction plantDeterioration of stock spoilage, refrigerated stockElectronic equipment computer breakdown, IT equipment coverGlass plate glassMachinery breakdown equipment breakdown, boiler and machineryMarine cargo and transit transit, goods in transitMarine hull hull and machinery, P&IMoney cash in transit, cash coverProperty ISR, industrial special risksStock throughput STPTerrorism political violence, sabotage and terrorismTheft and burglary burglary
People
7 linesCorporate travel business travel, group travelExpatriate medical international health, expat medicalGroup life death and TPD, group life and TPDIncome protection group salary continuance, disability incomeKey person key manKidnap and ransom K&R, kidnap, ransom and extortionPersonal accident group personal accident, accident and sickness
Financial lines
11 linesCrime and fidelity fidelity, employee dishonestyDirectors and officers D&O, management liabilityEmployment practices liability EPL, EPLIFiduciary and trustee liability pension trustee liability, superannuation trustee liabilityLegal expenses legal protection, commercial legal expensesProspectus and public offering liability POSI, IPO insuranceStatutory liability (fines and penalties) fines and penalties coverSurety bonds performance bonds, contract bondsTax audit and tax liability tax audit cover, tax investigationTrade credit credit insurance, accounts receivable insuranceWarranty and indemnity W&I, representations and warranties
Specialty
6 linesAviation hull and liability aircraft hull and liability, drone and UAV coverCrop, livestock and farm pack farm pack, multi-peril cropEvent cancellation contingency, non-appearanceFine art and specie specie, jewellers blockPolitical risk expropriation cover, CENDProduct recall contaminated products insurance, product contamination