Casualty insurance

Casualty insurance is a defined term^[1] which broadly encompasses insurance not directly concerned with life insurance, health insurance, or property insurance.

Casualty insurance is mainly liability coverage of an individual or organization for negligent acts or omissions.^[2] However, the term has also been used for property insurance,^{[citation needed]} aviation insurance, boiler and machinery insurance, and glass^{[clarification needed]} and crime insurance.^[2] It may include marine insurance for shipwrecks or losses at sea, fidelity and surety insurance, earthquake insurance, political risk insurance, terrorism insurance, fidelity and surety bonds.

One of the most common kinds of casualty insurance today is automobile insurance. In its most basic form, automobile insurance provides liability coverage in the event that a driver is found "at fault" in an accident. This can cover medical expenses of individuals involved in the accident as well as restitution or repair of damaged property, all of which would fall into the realm of casualty insurance coverage.^{[citation needed]}

If coverage were extended to cover damage to one's own vehicle, or against theft, the policy would no longer be exclusively a casualty insurance policy.