Casualty Insurance คือ

Casualty Insurance

What is ‘Casualty Insurance’

Casualty insurance is a broad category of coverage against loss of property, damage or other liabilities. Casualty insurance includes vehicle insurance, liability insurance, theft insurance and elevator insurance.

Personal Lines Insurance

Business Insurance

Commercial Lines Insurance

Water Damage Legal Liability Insurance

BREAKING DOWN ‘Casualty Insurance’

An important type of casualty insurance for businesses is workers’ compensation insurance, which protects a company from liabilities that arise when a worker is injured on the job. Another important type of casualty insurance is liability insurance. Liability losses are losses that occur as a result of the insured’s interactions with others or their property. For homeowners or car owners, it’s important to have casualty insurance as damage can end up being a large expense.

Probably the best example of this would be an auto accident. Consider this hypothetical example: Let’s say Maggie backs out of her driveway and hits Lisa’s parked car, resulting in $600 of damage. Because Maggie was at fault, she is legally liable for those damages, and she must pay to have Lisa’s car repaired. Liability insurance would protect Maggie from having to cover the damages out-of-pocket.

Just as you can purchase property insurance to protect yourself from financial loss, liability insurance protects you from financial loss if you become legally liable for injury to another or damage to property. To be legally liable, one must have demonstrated negligence—the failure to use proper care in personal actions. If negligence results in harm to another, the offending party is liable for resulting damages. People in the insurance industry often call liability losses third-party losses. The insured is the first party. The insurance company is the second party. The person to whom the insured is liable for damages is the third party.

There are many other types of insurance that have traditionally been considered casualty insurance, such as:

  • Aviation
  • Auto
  • Workers’ compensation
  • Surety bonds

Casualty Insurance and Business

If you own a business, you should consider a few different types of casualty insurance, depending on what you do. There are policies available for cyber-fraud insurance, employee-theft and identity theft (to name a few). If you primarily do business online, check if your policies cover your website. If you depend on computers to run your business, you might want to insure the computers in a separate policy.

Most business owners need to have casualty insurance coverage because, if you produce something, the possibility exists that it may end up harming someone. Even if you are a sole proprietor, it’s a good idea to carry insurance that is specific to your line of work. For example, if you’re a freelance auto mechanic who works from your own personal shop, you likely won’t need workers’ compensation coverage, but you should have insurance that covers a situation in which a repair you made causes injury to a customer.

What Is Property and Casualty Insurance?

Property and casualty insurance is actually an umbrella term which includes many forms of insurance. Homeowners insurance is one type of property and casualty product, as is renters insurance, auto insurance, and powersports insurance. The term property and casualty insurance typically contains two primary coverage types: liability coverage and property protection coverage.

As it relates to a homeowners insurance policy, property and casualty insurance may cover your belongings and/or another individual’s expenses in the aftermath of an accident occurring from the result of your negligence. For instance, if a guest suffers an injury in your home as a result of your negligence, property and casualty can cover their medical bills, pain and suffering, and loss of income. Negligence would come into play if, for instance, you have put off repairing broken stairs in your home and your guest is injured on these stairs as a result. Property and casualty insurance may also help cover legal fees in the event you are sued by that individual. However, property and casualty insurance can also cover losses relating to your home and belongings in the event of a covered accident.

In short, property and casualty insurance can help pay costs that you’re legally responsible for, up to your policy limits.

What do homeowners property and casualty provisions cover?

Consider the following scenarios in which property and casualty insurance might come into play.

Scenario 1: A visitor falls inside your home and fractures their leg.
If the fall is found to be due to your negligence (rather than the visitor’s), you could be liable for that person’s medical bills, as well as pain and suffering, regardless of whether that person has insurance. Property and casualty insurance protection provided by the homeowners policy can help cover these costs so you won’t have to pay out of pocket.

Scenario 2: An individual is unable to walk and cannot perform their job after an injury sustained on your property.
If someone has an accident on your property that you are found liable for, and that person is unable to work as a result, you could be held accountable for their loss of income. Property and casualty coverage could help you avoid paying out of pocket for the individual’s lost wages, up to the covered limits of your policy.

Scenario 3: You are sued by a visitor after they were injured in your home.
If you are sued by an individual who was injured on your property, you will likely have to pay for the cost of an attorney and other legal fees – which can add up quickly. If you have property and casualty insurance, your insurance provider may cover the cost of these legal fees during the dispute.

Scenario 4: Your home is vandalized and damaged
Property and casualty insurance is a broad insurance, which includes coverage to your structure, property and belongings in the event of vandalism, theft, and more. If a thief were to break into your home, you would be protected up to your covered limits under your homeowners insurance policy.

Scenario 5: Your home is damaged by a covered weather incident
Property and casualty insurance also includes financial protection in the event of a covered weather incident. Remember to read your insurance policy closely for exact details; what types of weather and natural disasters are covered by home insurance will vary according to where you live and what type of insurance you have.

Property and casualty insurance is a smart investment that can help you and your family in the event of an unforeseen accident in your home or on your property. Nationwide’s homeowners and renters insurance policies include bodily injury and property liability. Get a home insurance quote today to select the type of coverage that’s best for your lifestyle.

บริการเปิดพจนานุกรมอัตโนมัติ ติดโพย (PopThai)

บริการ ติดโพย (PopThai) เป็นบริการเปิดพจนานุกรมอัตโนมัติ โดยผู้ใช้สามารถป้อนข้อความ (ทีละประโยค หรือ เป็นหน้าเลยก็ได้ ไม่จำเป็นต้องทีละคำสองคำ) หรือป้อนเว็บ URL ระบบจะไปดึงเนื้อหาเว็บนั้นๆ มา แล้วทำการแนบความหมายของคำหรือวลีภาษาต่างประเทศ (ปัจจุบันสนับสนุน ภาษาอังกฤษ, ญี่ปุ่นและเยอรมัน ) ติดกับเนื้อหานั้นๆ และจะแสดงผลความหมายเมื่อเอาเมาส์ไปวางเหนือคำหนึ่งๆ ช่วยให้สามารถเข้าใจเนื้อหาของเวบภาษาต่างประเทศได้สะดวกและรวดเร็วยิ่งขึ้น

ความหมายของคำจะปรากฏขึ้นมาเมื่อท่านเอาเมาส์ไปวางบนคำหรือวลีที่มีอยู่ในพจนานุกรม โดยไม่จำเป็นต้องกดปุ่มใดๆ ดังตัวอย่างในรูปข้างล่างนี้

аё„аёёаё“аёЄаёЎаёљаё±аё•аёґ / Features

  • แสดงความหมายของคำโดยอัตโนมัติ เพียงวางเมาส์ไว้บนคำที่ต้องการทราบความหมาย
  • สนับสนุนเวบหลากภาษา (аё›аё±аё€аё€аёёаёљаё±аё™ аё аёІаё©аёІаё­аё±аё‡аёЃаё¤аё© аёЌаёµа№€аё›аёёа№€аё™ และเยอรมัน)
  • ค้นหาความหมายจากพจนานุกรมหลายชุดพร้อมๆกัน ในฐานข้อมูลของ Longdo ได้แก่ Lexitron2, Hope, Nontri, Longdo аё­аё±аё‡аёЃаё¤аё©-ไทย, Longdo а№Ђаёўаё­аёЈаёЎаё±аё™-ไทย เป็นต้น
  • แสดงได้ทั้งความหมายของคำเดี่ยว และคำผสม ได้อย่างถูกต้อง а№ЂаёЉа№€аё™ Secretary of State=аёЈаё±аёђаёЎаё™аё•аёЈаёµаё•а№€аёІаё‡аё›аёЈаё°а№Ђаё—аёЁаё‚аё­аё‡аёЄаё«аёЈаё±аёђаёЇ (а№ѓаё™аё аёІаёћаё•аё±аё§аё­аёўа№€аёІаё‡), High school=โรงเรียนมัธยมปลาย
  • แสดงความหมายของคำที่แปรรูปจากคำในพจนานุกรมได้ а№ЂаёЉа№€аё™ เมื่อวางเมาส์ไว้บนคำว่า executed/abusing ซึ่งไม่มีในพจนานุกรม а№Ђаё„аёЈаё·а№€аё­аё‡аё€аё°а№ЃаёЄаё”аё‡аё„аё§аёІаёЎаё«аёЎаёІаёўаё‚аё­аё‡аё„аёіаё§а№€аёІ execute/abuse ให้โดยอัตโนมัติ
  • เรียกใช้งานได้ง่ายเพียงกดปุ่ม PopThai аёљаё™ Longdo Toolbar เพื่อแนบความหมายหน้าจอที่เปิดชมอยู่ในขณะนั้น
  • แก้ไข Link ในหน้าที่แสดง เพื่อให้สามารถเปิดชม Link เหล่านั้นผ่านบริการ PopThai ได้ทันทีเช่นเดียวกัน
  • สนับสนุนบราวเซอร์ชั้นนำทั่วไป а№ЂаёЉа№€аё™ Internet Explorer, Firefox, Chrome, Safari, Konqueror, etc.
  • а№ЃаёЄаё”аё‡ Link ให้ผู้ใช้ช่วยป้อนความหมายสำหรับคำที่ยังไม่มีอยู่ในพจนานุกรม
  • а№ѓаё«аёЎа№€: аёљаёЈаёґаёЃаёІаёЈ Vocabulary แสดงสรุปรายการคำศัพท์พร้อมความหมาย สำหรับพิมพ์ออกมาอ่านได้สะดวก วิธีใช้งาน ให้เลือกตรงตัวเลือกบริการด้านบน ให้เป็น Vocabulary а№Ѓаё—аё™ PopThai. (PopThai ในโหมดปกติ จะเหมาะกับการใช้งาน on-line หน้าจอคอมพิวเตอร็ аёЄа№€аё§аё™аёљаёЈаёґаёЃаёІаёЈ Vocabulary เหมาะสำหรับท่านที่ต้องการพิมพ์รายการคำศัพท์และความหมายออกมาบนกระดาษไว้อ่าน off-line)
  • а№ѓаё«аёЎа№€: аёљаёЈаёґаёЃаёІаёЈ Pronunciation Guide а№ЃаёЄаё”аё‡аё„аёіаё­а№€аёІаё™аё‚аё­аё‡аё„аёіа№ѓаё™ เว็บ аё«аёЈаё·аё­ text ที่ป้อนให้ ข้างบนคำนั้นๆ, นอกเหนือไป аё€аёІаёЃаёЃаёІаёЈа№ЃаёЄаё”аё‡ pop-up аё„аё§аёІаёЎаё«аёЎаёІаёў. วิธีใช้งาน ให้เลือกตรงตัวเลือกบริการด้านบน ให้เป็น Pronunciation. ขณะนี้ใช้ได้กับภาษาอังกฤษ (а№ЃаёЄаё”аё‡аё„аёіаё­а№€аёІаё™аё аёІаё©аёІаё­аё±аё‡аёЃаё¤аё©) และภาษาญี่ปุ่น (а№ЃаёЄаё”аё‡ hiragana а№Ђаё«аё™аё·аё­аё„аё±аё™аё€аёґ). บริการนี้ ใช้ extension аё‚аё­аё‡ browser аё—аёµа№€аёЉаё·а№€аё­ Ruby аё›аё±аё€аё€аёёаёљаё±аё™аёЎаёµа№Ѓаё„а№€ IE browser аё—аёµа№€аёЄаё™аё±аёљаёЄаё™аёёаё™ ถ้าเป็น browser อื่นๆ จะเห็นคำอ่านปรากฎในวงเล็บแทน


ท่านสามารถป้อนเนื้อหาหรือ URL ของเว็บไซต์ที่ต้องการให้แนบความหมายนี้ ในช่องใส่ข้อความค้นหาปกติ

หลังจากนั้นเลือกบริการที่ต้องการ (เช่น ถ้าป้อนข้อความ ให้เลือก PopThai (text) ถ้าป้อน URL ให้เลือก PopThai (URL)) ถ้าท่านไม่เลือกบริการ ระบบจะเดาบริการที่ท่านต้องการ จากข้อความที่ท่านใส่เข้ามา (ว่าเป็นข้อความหรือเป็น URL) โดยอัตโนมัติ, จากนั้นกด Submit เป็นอันเสร็จ

ในกรณีที่ท่านใส่ URL ระบบจะไปทำการดาวน์โหลดเนื้อหาของหน้านั้นๆ มาและแนบความหมาย พร้อมแก้ไขลิงค์ต่างๆ ให้เป็นผ่านบริการ PopThai เ พื่อที่ว่าเมื่อท่านกดที่ลิงค์ใดๆ ต่อไปจากเพจนั้นๆ ก็จะมีการแนบความหมายมาให้ด้วยในทันที

เพื่อเพิ่มความสะดวกในการใช้ท่านสามารถใช้ PopThai ผ่าน Longdo Toolbar โดยเมื่อท่านเปิดดูเว็บไซต์ใดๆ อยู่ตามปกติ และต้องการใช้บริการ PopThai สำหรับ หน้านั้นๆ สามารถทำได้ทันที โดยคลิกที่ปุ่ม PopThai บน Toolbar รายละเอียดเพิ่มเติมโปรดอ่านที่ Longdo Toolbar

คำเตือน ในกรณีของ URL นี้ ถึงแม้ทางผู้ดูแลระบบลองดูจะได้ทำการทดสอบกับหลายเว็บไซต์ แล้วก็ตาม ยังมีบางเว็บไซต์ที่ข้อมูลเวลาที่ระบบไปโหลดมาจะแตกต่างจากที่ท่านเปิดดูโดยใช้ browser โดยตรง โปรดระวังด้วย และไม่ควรใช้กับหน้าเว็บไซต์ที่ ต้องการความถูกต้องสูง)

What is ‘Indemnity’

Indemnity is compensation for damages or loss, and in the legal sense, it may also refer to an exemption from liability for damages. The concept of indemnity is based on a contractual agreement made between two parties, in which one party agrees to pay for potential losses or damages caused by the other party. A typical example is an insurance contract, whereby one party (the insurer or the indemnitor) agrees to compensate the other (the insured or the indemnitee) for any damages or losses, in return for premiums paid by the insured to the insurer.

Indemnity Insurance

Letter Of Indemnity

Insurable Interest

Indemnification Method


An indemnity clause is standard in most insurance agreements. Exactly what is covered, and to what extent, depends on the specific agreement. Any given indemnity agreement has what is called a period of indemnity, or a specific length of time for which the indemnity is valid. Similarly, many contracts include a letter of indemnity, which guarantees that the contract stipulations will be met by both parties or else an indemnity must be paid.

Indemnity is common in agreements between an individual and a business (for example, an agreement to obtain car insurance), but it also applies, on a larger scale, to relationships between businesses and government or between governments of two or more countries. Sometimes, government, a business or an entire industry must take on the costs of larger issues on behalf of the public, such as outbreaks of disease. For example, the U.S. government made $200 million in indemnity payments in the wake of a bird flu epidemic that nearly wiped out the domestic poultry industry in 2014 and 2015.

Indemnity Insurance

Indemnity insurance is a way for a company (or individual) to protect itself against indemnity claims. This insurance protects the holder from having to pay the full sum of an indemnity, even if the holder is at fault for the cause of the indemnity in the first place. Many companies make indemnity insurance a requirement, as lawsuits are common. Everyday examples include malpractice insurance, which is common in medical fields, and errors and omissions insurance (E&O), which protects companies and their employees against claims made by clients and applies to any given industry. Some companies also invest in deferred compensation indemnity insurance, which protects money they expect to receive in the future.

Like any other form of insurance, indemnity insurance covers the costs of an indemnity claim, including but not limited to court costs, fees and settlements. The amount covered by insurance depends on the specific agreement, and the cost of the insurance depends on many factors, including past history of indemnity claims.

Property leases also include indemnity clauses. In the case of a rental property, for example, a tenant is typically responsible for damages due to negligence, fines, lawyer fees and more, depending on the agreement.

Acts of Indemnity

An act of indemnity protects those who have acted illegally from being subject to penalties. This exemption typically applies to public officers, such as police officers or government officials, who are compelled to break the law in order to carry out the responsibilities of their jobs. Often, such protection is granted to a group of people, who committed an illegal act for the common good, such as the assassination of a known dictator or terrorist leader.

History of Indemnity

Although indemnity agreements haven’t always had a name, they are not a new concept, as they are a necessary part of ensuring cooperation between individuals, businesses and governments. In 1825, Haiti was forced to pay France what was then called an “independence debt.” The payments were intended to cover the losses that French plantation owners suffered in land and slaves. While the indemnity described in this article is now known to have been unjust, it is just one of many historical cases that show the ways indemnity has been used worldwide.

Another common form of indemnity is the reparations a winning country seeks from a losing country after the conclusion of a war. Depending on the amount and extent of the indemnity due, it can take years and even decades to pay off. One of the most well-known examples is the indemnity Germany paid after its role in World War I. Those reparations were finally paid off in 2010, almost a century after they were put in place.

The word “indemnity” stems from the Latin root indemnis, meaning “unhurt, undamaged” or “without loss.”

Indemnity may be paid in the form of cash or by way of repairs or replacement, depending on exactly what is spelled out in the indemnity agreement.

For example, in the case of home insurance, the homeowner pays insurance premiums to the insurance company in exchange for the peace of mind of knowing that he or she will be indemnified if the house sustains damage from fire, natural disasters or other perils specified in the insurance agreement. In the unfortunate event that the home is damaged significantly, the insurance company will be obligated to bring it back to its original state, either by means of repairs by authorized contractors or by reimbursing the homeowner for expenditures incurred for such repairs.

Leave a Reply

Your email address will not be published. Required fields are marked *

Insurance Basics Pdf

Sbi Life Insurance 5 Years Plan