General Insurance


General insurance is an insurance policy that protects you against losses / damages other than those covered by life insurance. For more inclusive coverage, it is important for you to know about the risks covered to make sure that you and your whole family are protected from unforeseen losses.

The coverage period for most general insurance policies and plans is usually 1 yr., whereby premiums are normally paid on a one-time basis.

General insurance or non-life insurance policies, including automobile & householders policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.

The London market insures large commercial risks like supermarkets, football / soccer players & other very specific risks. It consists of a number of insurers, reinsurers, P&I Clubs, brokers and other companies that are typically physically located in the City of London. The London Market also participates in personal lines / commercial lines, domestic & foreign, through reinsurance.

Commercial lines products are generally designed for relatively small legal entities. These would include workers’ comp (employer’s liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to several organisations. There are many companies / firms that supply / offer comprehensive commercial insurance packages for a various range of different industries, including shops, restaurants and hotels.

Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance & others.

(ACORD) which is the insurance industry global standards organisation. (ACORD) has standards for personal & commercial lines & has been working with the Australian General Insurers to develop those (XML) standards, standard applications for insurance, & certificates of currency


Risks covered by general insurance are:

Property loss, for i.e. stolen car or burnt house

Liability arising / increasing from damage caused by yourself to a 3rd party

Accidental death or injury


General insurance main products includes:

Motor insurance

Fire / House owners / House-holders insurance

Personal accident insurance

Medical and health insurance

Travel insurance


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