Corporate Insurance
Employee benefits, liability, marine, project and property risk.
Most uninsured cargo losses are not caused by a refused claim. They are caused by a seller and a buyer who each assumed the other side's Incoterm obligation covered it. Here is where risk really transfers.
Year one of a group health policy is priced on a guess. Year two is priced on your own claims. That is where a badly structured policy becomes expensive, and where most SMEs first find out what they bought.