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href="/sustainability/responsible-citizen/the-human-safety-net">The Human Safety Net</a></li> <li><a class="dropdown-item" href="/sustainability/responsible-citizen/how-we-contribute">How we contribute</a></li> </ul> </li> </ul></div> <div class="col-3" id="accordion_2_2"><ul class="list-unstyled"> <li class="position-relative"> <a id="navItemfe299ed2-13dc-4d39-bb3f-a50e0a3296b2" class="dropdown-item" href="/sustainability/our-commitment-to-the-environment-and-climate"> Commitments to the environment and climate </a> <a aria-labelledby="navItemfe299ed2-13dc-4d39-bb3f-a50e0a3296b2" class="position-absolute star-0 dropdown-toggle ps-3" data-bs-toggle="collapse" data-bs-target="#menufe299ed2-13dc-4d39-bb3f-a50e0a3296b2" role="button" aria-expanded="false" aria-controls="menufe299ed2-13dc-4d39-bb3f-a50e0a3296b2"> <span class="visually-hidden">Open Submenu</span> </a> <ul data-bs-parent="#accordion_2_2" class="collapse list-unstyled" id="menufe299ed2-13dc-4d39-bb3f-a50e0a3296b2"> <li><a 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href="/sustainability/contacts">Contacts</a></li> </ul></div> </div> </div> </div> </li> <li class="nav-item dropdown position-static"> <a class="nav-link dropdown-toggle" role="button" data-bs-toggle="dropdown" aria-expanded="false" href="/work-with-us">Work with us</a> <div class="dropdown-menu w-100 shadow py-5"> <div class="px-3 large-container position-relative"> <div class="position-absolute top-0 end-0 close-menu-container"> <a role="button" class="close-menu"> <span class="visually-hidden">Close Navigation</span> <span class="close-label me-1">Close</span> <span class="icongen-close color-dark-blue"></span> </a> </div> <div class="row"> <div class="col-3 component pe-4"> <h4 class="color-red">Work with us</h4> <p class="mt-3"> People are our company's soul. </p> <a aria-label="Work with us" class="btn btn-red mt-3" href="/work-with-us"> Discover </a> </div> <div class="col-3" id="accordion_3_1"><ul class="list-unstyled"> <li class="position-relative"> <a 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href="/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents"> Generali Engaged Agents </a> </li> </ul> </div> </li> <li> <a href="/what-we-do/asset-management"> Asset Management </a> </li> <li> <a href="/what-we-do/Insurance-for-dummies" class="color-red"> Insurance for dummies </a> </li> <li> <a href="/what-we-do/emerging-risks"> Emerging risks </a> </li> </ul> </nav> </div> <div id="content" class="col-12 col-md-12 col-lg-9 col-xl-9 central-body"> <div> <h1 class="page-title">Insurance for dummies</h1> </div> <div class="figure-with-text-left txt-component mt-3 component"> <p>The concept of insurance developed in response to the fundamental and universal need for security and protection, aiming at <strong>managing uncertainty about the future</strong> and <strong>protecting against risks</strong> – perhaps remote but nonetheless predictable – about <strong>life</strong>, <strong>health</strong>, <strong>property </strong>and in general all those <strong>situations </strong>possibly <strong>involving </strong>a quantifiable <strong>damage</strong>. Some people hope to avoid these risks with superstition, others with a rational and careful behaviour.</p> <p>But often you need someone who is able to <strong>professionally manage</strong> these events and who is <strong>solid enough</strong> to face them even over the years. This is the <strong>role of the insurer</strong>. During all life activities and all of its moments, insurance allows people to build a more secure future with the peace of mind to make choices and plan their future.<br /> <br /> There are <strong>numerous types of insurance agreement</strong>, but each of them includes the key principles on which the insurance industry is founded: the need to ensure future economic stability and security, the principle of solidarity between similar groups exposed to the same risk scenario and the relationship between the insured and the insurer, who is required to compensate the eventual damage occurred to the insured upon the previous payment of the insurance premium.</p> <p><br /> Insurance is a promise based on trust, the good insurer is the one who promptly delivers on this promise turning a difficult situation in a more bearable one.</p> </div> <div class="gallery-with-thumbs mt-md"> <div id="main1" class="swiper-page swiper-container component" data-autoplay="false" data-pause-on-change="true" data-reset-on-change="true" data-slider-speed="1000"> <div class="swiper-button-prev icongen-left-arrow"></div> <div class="swiper-button-next icongen-right-arrow"></div> <div class="swiper-wrapper"> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_lzjkxemk"> <a href="#" class="kaltura_video" id="video101" data-entryId="1_lzjkxemk" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/generali-films-video.jpg/jcr:content/generali-films-video.2017-09-29-12-43-17.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/generali-films-video.jpg/jcr:content/generali-films-video.2017-09-29-12-43-17.jpg" alt="Insurance for dummies - An insurance policy for any event" loading="lazy"> </picture> </div> <span class="slide-count color-white">1 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="heading315a4784-1ebb-4b1c-93e0-87e9fb3208b1"> <button aria-controls="collapse315a4784-1ebb-4b1c-93e0-87e9fb3208b1" data-bs-toggle="collapse" data-bs-target="#collapse315a4784-1ebb-4b1c-93e0-87e9fb3208b1" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> An insurance policy for any event </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_lmbuwp9l"> <a href="#" class="kaltura_video" id="video102" data-entryId="1_lmbuwp9l" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Insurance-for-companies-and-Global-Business-Lines-video.jpg/jcr:content/Insurance_for_companies_and_Global_Business_Lines_video.2017-09-14-18-00-03.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Insurance-for-companies-and-Global-Business-Lines-video.jpg/jcr:content/Insurance_for_companies_and_Global_Business_Lines_video.2017-09-14-18-00-03.jpg" alt="Insurance for dummies - 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Third party liability" loading="lazy"> </picture> </div> <span class="slide-count color-white">3 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="heading620f632f-05a6-4173-8850-76bb7130239b"> <button aria-controls="collapse620f632f-05a6-4173-8850-76bb7130239b" data-bs-toggle="collapse" data-bs-target="#collapse620f632f-05a6-4173-8850-76bb7130239b" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Third party liability </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_olyf298c"> <a href="#" class="kaltura_video" id="video104" data-entryId="1_olyf298c" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Damage-to-people-video.jpg/jcr:content/Damage_to_people_video.2017-08-08-10-34-41.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Damage-to-people-video.jpg/jcr:content/Damage_to_people_video.2017-08-08-10-34-41.jpg" alt="Insurance for dummies - Personal injuries" loading="lazy"> </picture> </div> <span class="slide-count color-white">4 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="heading5a5a6519-9d88-43c4-b141-3cc8ea8d0c2a"> <button aria-controls="collapse5a5a6519-9d88-43c4-b141-3cc8ea8d0c2a" data-bs-toggle="collapse" data-bs-target="#collapse5a5a6519-9d88-43c4-b141-3cc8ea8d0c2a" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Personal injuries </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_2qsjors1"> <a href="#" class="kaltura_video" id="video105" data-entryId="1_2qsjors1" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Danni-e-Beni-video.jpg/jcr:content/Danni_e_Beni_video.2017-08-08-10-28-15.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Danni-e-Beni-video.jpg/jcr:content/Danni_e_Beni_video.2017-08-08-10-28-15.jpg" alt="Insurance for dummies - Damage to property" loading="lazy"> </picture> </div> <span class="slide-count color-white">5 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="headingb11e9adc-e820-4f59-a1dd-a74b9b101ccc"> <button aria-controls="collapseb11e9adc-e820-4f59-a1dd-a74b9b101ccc" data-bs-toggle="collapse" data-bs-target="#collapseb11e9adc-e820-4f59-a1dd-a74b9b101ccc" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Damage to property </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_ezzb90ys"> <a href="#" class="kaltura_video" id="video106" data-entryId="1_ezzb90ys" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/property-and-casualty-video.jpg/jcr:content/property-and-casualty-video.2017-08-08-10-28-16.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/property-and-casualty-video.jpg/jcr:content/property-and-casualty-video.2017-08-08-10-28-16.jpg" alt="Insurance for dummies - Property and casualty insurance" loading="lazy"> </picture> </div> <span class="slide-count color-white">6 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="heading94576adf-8d93-4d6b-b34d-082e0f3b89b1"> <button aria-controls="collapse94576adf-8d93-4d6b-b34d-082e0f3b89b1" data-bs-toggle="collapse" data-bs-target="#collapse94576adf-8d93-4d6b-b34d-082e0f3b89b1" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Property and casualty insurance </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_cnbt5482"> <a href="#" class="kaltura_video" id="video107" data-entryId="1_cnbt5482" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Pension-funds-video.jpg/jcr:content/Pension_funds_video.2017-08-08-10-28-17.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Pension-funds-video.jpg/jcr:content/Pension_funds_video.2017-08-08-10-28-17.jpg" alt="Insurance for dummies - Pension funds" loading="lazy"> </picture> </div> <span class="slide-count color-white">7 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="headingc0a39336-be8f-4a64-bf7b-1d9e59e9cedb"> <button aria-controls="collapsec0a39336-be8f-4a64-bf7b-1d9e59e9cedb" data-bs-toggle="collapse" data-bs-target="#collapsec0a39336-be8f-4a64-bf7b-1d9e59e9cedb" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Pension funds </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_6x1x76jf"> <a href="#" class="kaltura_video" id="video108" data-entryId="1_6x1x76jf" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Investment-policies-video.jpg/jcr:content/Investment_policies_video.2017-08-08-10-28-18.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Investment-policies-video.jpg/jcr:content/Investment_policies_video.2017-08-08-10-28-18.jpg" alt="Insurance for dummies - Investment policies" loading="lazy"> </picture> </div> <span class="slide-count color-white">8 / 11</span> </div> <div class="col-legend flex-column"> <h5 id="heading7f6dfb45-117f-443f-885b-7aee71452c85"> <button aria-controls="collapse7f6dfb45-117f-443f-885b-7aee71452c85" data-bs-toggle="collapse" data-bs-target="#collapse7f6dfb45-117f-443f-885b-7aee71452c85" aria-expanded="false" class="font-light p-0 border-0 background-transparent"> Investment policies </button> </h5> </div> </div> </div> </div> <div class="swiper-slide swiper-item position-relative" data-swiper-autoplay="6000"> <div class="embed-responsive-slide"> <div class="swiper-kaltura-video"> <div class="embed-responsive" style="display: none;" data-bck-entryId="1_4m1esxb4"> <a href="#" class="kaltura_video" id="video109" data-entryId="1_4m1esxb4" data-thumbId=""></a> </div> </div> <div class="embed-responsive-slide-item"> <div class="video-controls d-md-none" style="display:none;"> <div class="video-control"> <span class="video-pause icongen-pause"><span class="visually-hidden">Pause Video</span></span> <div class="video-play" style="display: none;"></div> <span class="icongen-volume video-volume swiper-no-swiping"> <div class="volumeContainer"> <input type="range" min="1" max="100" value="100" class="volume" name="volume"> </div> </span> <div class="video-mute" style="display: none;"> </div> </div> <div class="video-full-screen" style="display: none;"> <span class="icongen-zoom"></span> </div> </div> <button class="close-video border-0" style="display:none;"> <span class="visually-hidden">Close Video</span> <span class="icongen-close"></span> </button> <div class="col-data w-100"> <button class="swiper-play border-0"><span class="visually-hidden">Play Video</span></button> <div class="figratio"> <picture class="loading"> <source srcset="/.imaging/mte/generali/original/dam/site-generali/media/video-pillole-assicurative/Pure-risk-video.jpg/jcr:content/Pure_risk_video.2017-08-08-10-28-19.jpg" media="(min-width: 768px)"> <img src="/.imaging/mte/generali/750x682/dam/site-generali/media/video-pillole-assicurative/Pure-risk-video.jpg/jcr:content/Pure_risk_video.2017-08-08-10-28-19.jpg" alt="Insurance for dummies - 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Investment policies" class="swiper-lazy"> </picture> </div> <div class="swiper-slide"> <picture class="loading"> <img data-src="/.imaging/mte/generali/155x78/dam/site-generali/media/video-pillole-assicurative/Pure-risk-video.jpg/jcr:content/Pure_risk_video.2017-08-08-10-28-19.jpg" alt="Insurance for dummies - Pure-risk cover" class="swiper-lazy"> </picture> </div> <div class="swiper-slide"> <picture class="loading"> <img data-src="/.imaging/mte/generali/155x78/dam/site-generali/media/video-pillole-assicurative/Life-insurance--video.jpg/jcr:content/Life_insurance__video.2017-08-08-10-28-21.jpg" alt="Insurance for dummies - Life insurance" class="swiper-lazy"> </picture> </div> <div class="swiper-slide"> <picture class="loading"> <img data-src="/.imaging/mte/generali/155x78/dam/site-generali/media/video-pillole-assicurative/cartoons-4.jpg/jcr:content/cartoons_4.2017-08-08-10-28-20.jpg" alt="Insurance for dummies - Cartoon insurance" class="swiper-lazy"> </picture> </div> </div> </div> </div> </div> <div class="swiper-pagination"></div> </div> </div> <div class="mt-md"> <h3 class="mb-3 color-red"> </h3> </div> <div class="mt-md"> <h3 class="mb-3 color-red">Insurance and the main types of policies </h3> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Insurance-for-companies-and-Global-Business-Lines" title="Insurance for companies and Global Business Lines"> <img loading="lazy" src="/doc/jcr:9519103e-26e3-40e7-a671-a83c9f838e4f/Insurance%20for%20companies%20and%20Global%20Business%20Lines%20piccola.jpg/lang:en/Insurance_for_companies_and_Global_Business_Lines_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p><a href="/what-we-do/Insurance-for-dummies/Insurance-for-companies-and-Global-Business-Lines">Insurance for companies and Global Business Lines</a> are designed to meet the need to properly manage the uncertainty and risks of business activities, which involve a continual series of assumptions about the future.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Personal-injuries" title="Personal injuries"> <img loading="lazy" src="/doc/jcr:06884e8c-ffc4-471a-bc2a-240d38678ef0/Damage%20to%20people%20piccola.jpg/lang:en/Damage_to_people_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p>Policies covering <a href="/what-we-do/Insurance-for-dummies/Personal-injuries">personal injuries</a> are designed to provide the insured party with sufficient <strong>financial resources</strong> to deal with <strong>accidents and sickness</strong>. In the extreme case of the <strong>death </strong>of the insured party due to an accident, compensation is paid to the <strong>beneficiaries </strong>of the agreement <strong>or</strong>, alternatively, to the insured <strong>party's heirs</strong>.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Damage-to-property0" title="Damage to property"> <img loading="lazy" src="/doc/jcr:d662ff3f-8660-4aa6-9901-eaac579576f3/Danni%20e%20Beni%20piccola.jpg/lang:en/Danni_e_Beni_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p>Policies covering <a href="/what-we-do/Insurance-for-dummies/Damage-to-property0">damage to property</a> are usually <strong>differentiated </strong>by the <strong>type of asset or type of damage</strong>. They can cover an asset against <strong>any damage</strong>, against <strong>specific damage or a combination of the two</strong>. An asset can be insured against direct damage and consequential damage.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Property-and-casualty-insurance-" title="Property and casualty insurance "> <img loading="lazy" src="/doc/jcr:f561593d-517f-4a08-8d39-847ef06e6656/property-and-casualty-small.jpg/lang:en/property-and-casualty-small.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p><a href="/what-we-do/Insurance-for-dummies/Property-and-casualty-insurance-">Property and casualty insurance</a> is an agreement that covers the insured party against the risk of a damaging event and consequent asset loss.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Pension-funds" title="Pension funds"> <img loading="lazy" src="/doc/jcr:dd349fe4-b19c-4e28-adec-00e13deb895f/Pension%20funds%20piccola.jpg/lang:en/Pension_funds_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p><a href="/what-we-do/Insurance-for-dummies/Pension-funds">Pension funds</a> were created to provide employees with a <strong>supplementary pension</strong>, in addition to the pension paid by public social security institutions.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Investment-policies" title="Investment policies"> <img loading="lazy" src="/doc/jcr:fbbaef82-00c0-4339-83d3-79a3dbf8ac2b/Investment%20policies%20piccola.jpg/lang:en/Investment_policies_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p><a href="/what-we-do/Insurance-for-dummies/Investment-policies">Investment policies</a> have a relevant <strong>financial </strong>component: the amount of the benefit for the policyholder is linked to the <strong>performance of an</strong> underlying <strong>financial asset</strong>.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Pure-risk-cover" title="Pure-risk cover"> <img loading="lazy" src="/doc/jcr:51d0612f-ed0d-4b0f-8600-98af33d2bac3/Pure%20risk%20piccola.jpg/lang:en/Pure_risk_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p>According to the type of event covered by the contract, <a href="/what-we-do/Insurance-for-dummies/Pure-risk-cover">pure-risk policies</a> can be divided into three main categories: <strong>life insurance</strong> with survival benefits, with death benefits and <strong>mixed life</strong> insurance policies providing both survival and death benefits.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/what-we-do/Insurance-for-dummies/Life-insurance" title="Life insurance"> <img loading="lazy" src="/doc/jcr:1c273499-4cc9-492f-87a3-ef6805842026/Life%20insurance%20%20piccola.jpg/lang:en/Life_insurance__piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p><a href="/what-we-do/Insurance-for-dummies/Life-insurance">Life insurance</a> is a contract under which the insurance company undertakes to pay either a lump sum or an annuity if an event occurs involving <strong>human life</strong>, in exchange for the payment of a premium as remuneration from the policyholder for the risk taken on.</p> </div> <div class="figure-with-text-right txt-component mt-3 component"> <figure title="Insurance and the main types of policies "> <a href="/info/discovering-generali/all/2017/Insurance-for-dummies-a-cartoon-video-guide/Cartoon-Insurance" title="Cartoon Insurance"> <img loading="lazy" src="/doc/jcr:12a79ae7-d3bf-4062-9fdb-a97b94fe811c/cartoons%20piccola.jpg/lang:en/cartoons_piccola.jpg" alt="Insurance and the main types of policies "> </a> </figure> <p>Life is full of surprises. Sometimes they are good, sometimes they aren’t. And this is in fact the primary purpose of <a href="/what-we-do/Insurance-for-dummies/Cartoon-insurance">insurance</a>, to professionally protect us when things don’t go as planned in our daily life. But insurance helps us also when we need support for our longer term life projects. In both cases they give us <strong>peace of mind</strong>.</p> </div> </div> </div> </div> </div> <section class="component space-top"> <div class="component background-white-2 space-end space-top"> <div class="large-container"> <div class="container"> <div class="row justify-content-center align-items-center justify-content-stretch"> <div class="col-12 col-md-4 col-lg-4 mb-md-0 align-self-stretch mb-4 "> <a href="/info/discovering-generali" title="Our Stories" class="related-teaser background-white"> <figure class="figratio" data-ratio="4:3"> <img alt="Our Stories" src="/.imaging/mte/generali/original/dam/site-generali/gallery/who-we-are_section/discovering-generali/discovering_2023/Correlati/Correlato_StoriesGenerali.png0/jcr:content/desktop_teaser-GeneraliStories.2023-10-16-12-47-52.png" class="img-fluid w-100 border-radius-8"> </figure> <div class="p-4 inner "> <div class="mb-4 "> <h2>Our Stories</h2> <p>Discover our stories and get inspired.</p> </div> <span class="link-arrow-right align-self-end">Read more</span> </div> </a> </div> <div class="col-12 col-md-4 col-lg-4 mb-md-0 align-self-stretch mb-4 "> <a href="/what-we-do/life-insurance/pure-risk-cover" title="Pure-risk cover" class="related-teaser background-white"> <figure class="figratio" data-ratio="4:3"> <img alt="Pure-risk cover" src="/.imaging/mte/generali/original/dam/site-generali/gallery/what_we_do_section/stock-photo-64070481-skydiving-landing-sunset/jcr:content/iStock_000064070481.2023-08-11-09-10-54.png" class="img-fluid w-100 border-radius-8"> </figure> <div class="p-4 inner "> <div class="mb-4 "> <h2>Pure-risk cover</h2> <p>Discover more about these type of policies.</p> </div> <span class="link-arrow-right align-self-end">Read more</span> </div> </a> </div> <div class="col-12 col-md-4 col-lg-4 mb-md-0 align-self-stretch "> <a href="/what-we-do/what-is-insurance" title="What is insurance" class="related-teaser background-white"> <figure class="figratio" data-ratio="4:3"> 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main-section"> <h3>Life insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/life-insurance">Discover</a> </li> <li><a href="/what-we-do/life-insurance/pure-risk-cover">Pure-Risk Cover</a></li> <li><a href="/what-we-do/life-insurance/investment-policies">Investment policies</a></li> <li><a href="/what-we-do/life-insurance/pension-funds">Pension Funds</a></li> <li><a href="/what-we-do/life-insurance/before-taking-out-a-life-insurance-policy">Before Taking Out a Life Insurance Policy</a></li> </ul> </li> <li> <a href="/what-we-do/property-and-casualty-insurance"> Property and Casualty Insurance </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Property and Casualty Insurance</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/property-and-casualty-insurance">Discover</a> </li> <li><a href="/what-we-do/property-and-casualty-insurance/damage-to-property">Damage to property</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/personal-injury">Personal Injury</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/third-party-liability">Third-Party Liability</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/before-taking-out-a-property-and-casualty-policy">Before Taking Out a Property and Casualty Policy</a></li> <li><a href="/what-we-do/property-and-casualty-insurance/insurance-product-distribution-and-claims-management">Insurance Product Distribution and Claims Management</a></li> </ul> </li> <li><a href="/what-we-do/insurance-for-companies">Insurance for Companies</a></li> <li><a href="/what-we-do/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li> <a href="/what-we-do/Global-Advisor-Excellence-Contest"> Global Advisor Excellence Contest </a> <ul> <strong class="back">What we do</strong> <li class="flex-column main-section"> <h3>Global Advisor Excellence Contest</h3> <a class="btn-red mb-3 mt-2" href="/what-we-do/Global-Advisor-Excellence-Contest">Discover</a> </li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Hall-of-fame">Hall of Fame & Finalists</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/Young-lion">Young Lion</a></li> <li><a href="/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents">Generali Engaged Agents</a></li> </ul> </li> <li><a href="/what-we-do/asset-management">Asset Management</a></li> <li><a href="/what-we-do/Insurance-for-dummies">Insurance for dummies</a></li> <li><a href="/what-we-do/emerging-risks">Emerging risks</a></li> </ul> </li> <li> <a href="/sustainability">Sustainability</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Sustainability</h3> <p class="mt-1 mb-3"> Sustainability is the originator of our strategy. </p> <a class="btn-red mb-3" href="/sustainability"> Discover </a> </li> <li> <a href="/sustainability/responsible-business"> Responsible Business </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Business</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-business">Discover</a> </li> <li><a href="/sustainability/responsible-business/charter_sustainability_commitments">Charter of Sustainability Commitments </a></li> <li><a href="/sustainability/responsible-business/materiality-analysis">Materiality assessment</a></li> <li><a href="/sustainability/responsible-business/stakeholder-engagement">Stakeholder engagement</a></li> <li><a href="/sustainability/responsible-business/sustainability-indices-and-ratings">Sustainability indices and ratings </a></li> <li><a href="/sustainability/responsible-business/external-commitments">External commitments</a></li> </ul> </li> <li> <a href="/sustainability/responsible-insurer"> Responsible Insurer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Insurer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-insurer">Discover</a> </li> <li><a href="/sustainability/responsible-insurer/insurance-solutions-with-ESG-components">Insurance solutions with ESG components</a></li> <li><a href="/sustainability/responsible-insurer/SME-EnterPRIZE">SME EnterPRIZE</a></li> <li><a href="/sustainability/responsible-insurer/becoming-a-life-time-partner-to-our-customers">A Lifetime partner to our customers</a></li> <li><a href="/sustainability/responsible-insurer/NPS-improving-clients-experience">NPS: improving clients’ experience</a></li> <li><a href="/sustainability/responsible-insurer/Public-Private-partnerships">Public-Private partnerships</a></li> <li><a href="/sustainability/responsible-insurer/EU-Taxonomy-TSC-4-Data-sharing">EU Taxonomy</a></li> <li><a href="/sustainability/responsible-insurer/sustainability-into-underwriting">Sustainability into Underwriting</a></li> </ul> </li> <li> <a href="/sustainability/responsible-investor"> Responsible Investor </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Investor</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-investor">Discover</a> </li> <li><a href="/sustainability/responsible-investor/sustainability-into-investments">Sustainability into Investments</a></li> <li><a href="/sustainability/responsible-investor/investing-for-the-climate">Investing for climate</a></li> <li><a href="/sustainability/responsible-investor/real-estate-investments">Sustainable real estate investing</a></li> <li><a href="/sustainability/responsible-investor/sustainability-related-disclosures">Sustainability related disclosures</a></li> </ul> </li> <li> <a href="/sustainability/responsible-employer"> Responsible Employer </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Employer</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-employer">Discover</a> </li> <li><a href="/sustainability/responsible-employer/Generali-people-strategy">Generali People Strategy</a></li> <li><a href="/sustainability/responsible-employer/Employees_engagement">Employee engagement </a></li> <li><a href="/sustainability/responsible-employer/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/sustainability/responsible-employer/investing-in-our-people">Investing in our people</a></li> <li><a href="/sustainability/responsible-employer/training">Training</a></li> <li><a href="/sustainability/responsible-employer/work-life-balance">Work-life balance</a></li> <li><a href="/sustainability/responsible-employer/well-being">Well-being</a></li> <li><a href="/sustainability/responsible-employer/environmental-management">Environmental management system of Group Operations</a></li> <li><a href="/sustainability/responsible-employer/greenhouse-gas-emissions">Greenhouse gas emissions</a></li> <li><a href="/sustainability/responsible-employer/Green-offices-energy-use-of-resources-and-waste">Our offices: energy, use of resources and waste</a></li> <li><a href="/sustainability/responsible-employer/mobility">Mobility of our personnel</a></li> <li><a href="/sustainability/responsible-employer/social-dialogue">Social Dialogue</a></li> <li><a href="/sustainability/responsible-employer/european_social_charter">European Social Charter</a></li> <li><a href="/sustainability/responsible-employer/European_Works_Council">European Works Council</a></li> <li><a href="/sustainability/responsible-employer/working-with-our-suppliers">Working with our suppliers</a></li> </ul> </li> <li> <a href="/sustainability/responsible-citizen"> Responsible Corporate Citizen </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Responsible Corporate Citizen</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/responsible-citizen">Discover</a> </li> <li><a href="/sustainability/responsible-citizen/the-human-safety-net">The Human Safety Net</a></li> <li><a href="/sustainability/responsible-citizen/how-we-contribute">How we contribute</a></li> </ul> </li> <li> <a href="/sustainability/our-commitment-to-the-environment-and-climate"> Commitments to the environment and climate </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Commitments to the environment and climate</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-commitment-to-the-environment-and-climate">Discover</a> </li> <li><a href="/sustainability/our-commitment-to-the-environment-and-climate/participation-in-public-debate">Climate advocacy policy and participation in public debate</a></li> </ul> </li> <li> <a href="/sustainability/performance-and-reporting"> Performance and Reporting </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Performance and Reporting</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/performance-and-reporting">Discover</a> </li> <li><a href="/sustainability/performance-and-reporting/data-and-performance">Data and performance</a></li> <li><a href="/sustainability/performance-and-reporting/how-we-report-vista">Sustainability reports archive</a></li> </ul> </li> <li> <a href="/sustainability/sustainable-financial-management"> Sustainable Financial Management </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Sustainable Financial Management</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/sustainable-financial-management">Discover</a> </li> <li><a href="/sustainability/sustainable-financial-management/green-and-sustainability-bonds">Green & Sustainability Bonds</a></li> <li><a href="/sustainability/sustainable-financial-management/green-social-and-sustainability-ILS">Green, Social and Sustainability ILS</a></li> </ul> </li> <li> <a href="/sustainability/our-rules"> Our rules </a> <ul> <strong class="back">Sustainability</strong> <li class="flex-column main-section"> <h3>Our rules</h3> <a class="btn-red mb-3 mt-2" href="/sustainability/our-rules">Discover</a> </li> <li><a href="/sustainability/our-rules/governance-management">Governance & management</a></li> <li><a href="/sustainability/our-rules/code-of-conduct">Generali Group Code of Conduct</a></li> <li><a href="/sustainability/our-rules/respecting-human-rights">Respecting human rights</a></li> <li><a href="/sustainability/our-rules/anti-corruption">Anti-corruption</a></li> <li><a href="/sustainability/our-rules/financial-crimes-compliance">Financial crimes compliance</a></li> <li><a href="/sustainability/our-rules/Anti-Financial-Crime-and-Anti-Bribery-and-Corruption">Anti Financial Crime and Anti Bribery & Corruption</a></li> <li><a href="/sustainability/our-rules/tax-payments">Tax Strategy and Taxes</a></li> <li><a href="/sustainability/our-rules/tax-transparency-report">Tax Transparency Report</a></li> <li><a href="/sustainability/our-rules/group-security">Group security</a></li> </ul> </li> <li><a href="/sustainability/contacts">Contacts</a></li> </ul> </li> <li> <a href="/work-with-us">Work with us</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Work with us</h3> <p class="mt-1 mb-3"> People are our company's soul. </p> <a class="btn-red mb-3" href="/work-with-us"> Discover </a> </li> <li> <a href="/work-with-us/Get-to-know-us"> Get to know us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Get to know us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/Get-to-know-us">Discover</a> </li> <li><a href="/work-with-us/Get-to-know-us/diversity-and-inclusion">Diversity Equity and Inclusion</a></li> <li><a href="/work-with-us/Get-to-know-us/Our-people-s-stories">Our people’s stories</a></li> </ul> </li> <li> <a href="/work-with-us/grow-with-us"> Grow with us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Grow with us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/grow-with-us">Discover</a> </li> <li><a href="/work-with-us/grow-with-us/Drive-our-success">Drive our success</a></li> <li><a href="/work-with-us/grow-with-us/Your-development">Your development with us</a></li> <li><a href="/work-with-us/grow-with-us/We-LEARN">We LEARN</a></li> <li><a href="/work-with-us/grow-with-us/what-we-offer">What we offer</a></li> </ul> </li> <li> <a href="/work-with-us/join-us"> Join us </a> <ul> <strong class="back">Work with us</strong> <li class="flex-column main-section"> <h3>Join us</h3> <a class="btn-red mb-3 mt-2" href="/work-with-us/join-us">Discover</a> </li> <li><a href="/work-with-us/join-us/five-reasons-to-apply">Five reasons to apply</a></li> <li><a href="/work-with-us/join-us/Openings_Graduates_and_Students">Openings for Graduates and Students</a></li> <li><a href="/work-with-us/join-us/job-search">Job search</a></li> <li><a href="/work-with-us/join-us/contact-and-connect-with-us">Contact and connect with us</a></li> </ul> </li> </ul> </li> <li> <a href="/investors">Investors</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Investors</h3> <p class="mt-1 mb-3"> Driving sustainable growth, enhancing earnings profile, and leading innovation are the three pillars of our strategy. </p> <a class="btn-red mb-3" href="/investors"> Discover </a> </li> <li><a href="/investors/investing-in-generali">Investing in Generali</a></li> <li> <a href="/investors/Strategy"> Strategy </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Strategy</h3> <a class="btn-red mb-3 mt-2" href="/investors/Strategy">Discover</a> </li> <li><a href="/investors/Strategy/Outlook">Outlook</a></li> <li><a href="/investors/Strategy/investments-and-divestments">Investments and divestments</a></li> <li><a href="/investors/Strategy/transformation-strategy">Lead Innovation</a></li> <li><a href="/investors/Strategy/Growth-factors">Growth factors</a></li> </ul> </li> <li> <a href="/investors/financial-highlights"> Financial highlights </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Financial highlights</h3> <a class="btn-red mb-3 mt-2" href="/investors/financial-highlights">Discover</a> </li> <li><a href="/investors/financial-highlights/performance-by-segment">Performance by segment</a></li> <li><a href="/investors/financial-highlights/performance-by-country">Performance by country</a></li> <li><a href="/investors/financial-highlights/historical-data">Historical Data</a></li> </ul> </li> <li> <a href="/investors/reports-and-presentations"> Reports and presentations </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Reports and presentations</h3> <a class="btn-red mb-3 mt-2" href="/investors/reports-and-presentations">Discover</a> </li> <li><a href="/investors/reports-and-presentations/report-archive">Report Archive</a></li> <li><a href="/investors/reports-and-presentations/Presentations">Presentations</a></li> <li><a href="/investors/reports-and-presentations/investor-day">Investor Days</a></li> <li><a href="/investors/reports-and-presentations/opa-cattolica">Cattolica Tender</a></li> </ul> </li> <li> <a href="/investors/share-information-analysts"> Share information & analysts </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Share information & analysts</h3> <a class="btn-red mb-3 mt-2" href="/investors/share-information-analysts">Discover</a> </li> <li><a href="/investors/share-information-analysts/key-share-figures">Key share figures</a></li> <li><a href="/investors/share-information-analysts/tickers-and-indices">Tickers and indices</a></li> <li><a href="/investors/share-information-analysts/share-capital">Share capital</a></li> <li><a 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