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6512 Non-life insurance
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Corresponding CPA codes
- 65.12.1 Accident and health insurance services
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65.12.11 Accident insurance services
This subcategory includes:
- underwriting services of insurance policies which provide accidental death and dismemberment insurance, that is, payment in the event that an accident results in death or loss of one or more bodily members (such as hands or feet) or the sight of one or both eyes
- underwriting services of insurance policies which provide periodic payments when the insured is unable to work as a result of an accident
This subcategory excludes:
- travel insurance services, see 65.12.71
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65.12.12 Health insurance services
This subcategory includes:
- underwriting services of insurance policies which provide protection for hospital and medical expenses not covered by government programs and, usually, other health-care expenses such as prescribed drugs, medical appliances, ambulance, private duty nursing etc.
- underwriting services of insurance policies which provide protection for dental expenses
- underwriting services of insurance policies which provide periodic payments when the insured is unable to work as a result of an illness
- 65.12.2 Motor vehicle insurance services
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65.12.21 Motor vehicle insurance services, third party liability
This subcategory includes:
- underwriting services of insurance policies which cover all liability arising out of the use of motor vehicles operating on land, including those used to transport paying passengers or freight
This subcategory excludes:
- third party liability concerning railway rolling stock, see 65.12.31
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65.12.29 Other motor vehicle insurance services
This subcategory includes:
- insurance services covering expenses arising from the loss of or damage to motor vehicles operating on land
This subcategory excludes:
- insurance services covering expenses arising from the loss or damage to railway rolling stock, see 65.12.31
- 65.12.3 Marine, aviation and other transport insurance services
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65.12.31 Railway rolling stock insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks relating to the use of: • railway rolling stock
Risks covered include liability and loss of or damage to railway rolling stock.
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65.12.32 Aircraft liability insurance services
This subcategory includes:
- underwriting services of insurance policies of third party liability which cover risks relating to the use of: • aircraft
- satellite launching liability insurance services
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65.12.33 Other aircraft insurance services
This subcategory includes:
- underwriting services of insurance policies, other than for third part liability, which cover risks relating to the use of: • aircraft
- satellite launching insurance (except liability) services
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65.12.34 Ships liability insurance services
This subcategory includes:
- underwriting services of insurance policies of third party liability which cover risks relating to the use of: • passenger and freight vessels, whether operating on oceans, coastal waterways or inland waterways
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65.12.35 Other ships insurance services
This subcategory includes:
- underwriting services of insurance policies, other than for third part liability, which cover risks relating to the use of: • passenger and freight vessels, whether operating on oceans, coastal waterways or inland waterways
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65.12.36 Freight insurance services
This subcategory includes:
- underwriting services of insurance policies which provide coverage, additional to that provided by transport companies, for risks of damage to or loss of freight
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65.12.4 Fire and other damage to property insurance services
This category includes:
- underwriting services of insurance policies which cover risks of damage to or loss of property excluding that covered in subcategory 65.12.2 (Motor vehicle insurance services), 65.12.3 (Marine, aviation, and other transport insurance services; Freight insurance services).
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65.12.41 Fire damage to property insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of damage to or loss of property
This subcategory excludes:
- services covered in subcategory 65.12.2 (Motor vehicle insurance services), 65.12.3 (Marine, aviation, and other transport insurance services; Freight insurance services)
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65.12.49 Other damage to property insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of damage to or loss of property such as theft, explosion, storm, hail, frost, other natural forces, radioactive contamination and land subsidence
- boiler and machinery insurance, which covers property spoilage from lack of power, light, heat, steam or refrigeration
- 65.12.5 General liability insurance services
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65.12.50 General liability insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of all types of liability including liability for defective products, bodily injury, property damage, pollution, malpractice etc.
This subcategory excludes:
- liability covered in subcategory 65.12.21 (motor vehicle liability insurance services), 65.12.3 (marine, aviation and other transport liability insurance services) and 65.12.4 (property liability insurance services)
- 65.12.6 Credit and suretyship insurance services
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65.12.61 Credit insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of excessive credit losses because of debtor insolvency
Included are export credits, instalment credits, mortgages, agricultural credits etc.
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65.12.62 Suretyship insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of non-performance or failure to satisfy a contractual financial obligation by a party to a contract or agreement
- 65.12.7 Travelling and assistance, legal expenses and miscellaneous financial loss insurance services
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65.12.71 Travelling and assistance insurance services
This subcategory includes:
- underwriting services of insurance policies which provide protection for travel related expenses (typically provided in a package), such as: • trip cancellation, interruption or delay • lost, delayed or damaged luggage • accident and health medical expenses • repatriation of remains
This subcategory excludes:
- motor vehicle insurance services, see 65.12.2
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65.12.72 Legal expenses insurance services
This subcategory includes:
- underwriting services of policies covering legal expenses and litigation costs
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65.12.73 Miscellaneous financial loss insurance services
This subcategory includes:
- underwriting services of insurance policies which cover risks of miscellaneous financial loss, that is, expenses arising from the following risks: loss of employment, insufficiency of income (general), bad weather, loss of benefits, continuing general expenses, unforeseen trading expenses, loss of market value, loss of rent or revenue, indirect trading losses (other than those mentioned above), other financial loss (non-trading) and other forms of loss
- 65.12.9 Other non-life insurance services
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65.12.90 Other non-life insurance services
This subcategory includes:
- underwriting services of insurance policies which cover other non-life risks n.e.c.