§431:1-209  General casualty insurancedefined.  General casualty insurance includes vehicle insurance as definedin section 431:1-208, accident and health or sickness insurance as defined insection 431:1-205, and in addition is insurance:

(1)  Against legal liability for the death, injury, ordisability of any human being, or from damage to property;

(2)  Of medical, hospital, surgical, and funeralbenefits to persons injured, irrespective of legal liability of the insured,when issued with or supplemental to insurance against legal liability for thedeath, injury, or disability of human beings;

(3)  Of the obligation accepted by, imposed upon, orassumed by employers under law for death, disablement, or injury to employees;

(4)  Against loss or damage by burglary, theft,larceny, robbery, forgery, fraud, vandalism, malicious mischief, confiscation,or wrongful conversion, disposal, or concealment, or from any attempt of any ofthe foregoing; also insurance against loss or damage to moneys, coins, bullion,securities, notes, drafts, acceptances, or any other valuable papers ordocuments, resulting from any cause, except while in the mail;

(5)  Upon personal effects of individuals, by anall-risk type of policy commonly known as the personal property floater;

(6)  Against loss or damage to glass and itsappurtenances resulting from any cause;

(7)  Against any liability and loss or damage toproperty resulting from accidents to or explosions of boilers, pipes, pressurecontainers, machinery, or apparatus;

(8)  Against loss of or damage to any property of theinsured resulting from the ownership, maintenance, or use of elevators, exceptloss or damage by fire;

(9)  Against loss or damage to any property caused bythe breakage or leakage of sprinklers, water pipes, or containers, or by waterentering through leaks or openings in buildings;

(10)  Against loss or damage resulting from failure ofdebtors to pay their obligations to the insured (credit insurance);

(11)  Against loss of or damage to any domesticated orwild animal resulting from any cause (livestock insurance);

(12)  Against loss of or damage to any property of theinsured resulting from collision of any other object with such property, butnot including collision to or by vessels, craft, piers, or otherinstrumentalities of ocean or inland navigation (collision insurance);

(13)  Against legal liability of the insured, andagainst loss, damage, or expense incident to a claim of such liability, andincluding any obligation of the insured to pay medical, hospital, surgical, andfuneral benefits to injured persons, irrespective of legal liability of theinsured, arising out of the death or injury of any person, or arising out ofinjury to the economic interest of any person as the result of negligence in renderingexpert, fiduciary, or professional service (malpractice insurance);

(14)  Against any contract of warranty or guarantywhich promises service maintenance, parts replacement, repair, money, or anyother indemnity in the event of loss of or damage to a motor vehicle or anypart thereof from any cause, including loss of or damage to or loss of use ofthe motor vehicle by reason of depreciation, deterioration, wear and tear, use,obsolescence, or breakage if made by a warrantor or guarantor who or which assuch is doing an insurance business; provided that service contracts, asdefined and meeting the requirements of chapter 481X, shall not be subject tochapter 431.

The doing or proposing to do anybusiness in substance equivalent to the business described in this section in amanner designed to evade the provisions of this section is the doing of aninsurance business; and

(15)  Against any other kind of loss, damage, orliability properly the subject of insurance and not within any other class orclasses or type of insurance as defined in sections 431:1-204 to 431:1-211, ifsuch insurance is not contrary to law or public policy. [L 1987, c 347, pt of§2; am L 2000, c 221, §3; am L 2002, c 155, §6; am L 2003, c 212, §14]