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- Alaska Statutes.
- Title 21. Insurance
- Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance
- Section 70. Casualty Insurance Defined.
previous: Section 60
. Property Insurance Defined.
next: Section 80
. Surety Insurance Defined.
AS 21.12.070. Casualty Insurance Defined.
- (a) Casualty insurance includes
- (1) vehicle insurance: insurance against loss of or damage to a land vehicle or aircraft or a draft or riding animal or to
property while contained therein or thereon or being loaded or unloaded therein or therefrom, from any hazard or cause,
and against any loss, liability, or expense resulting from or incidental to ownership, maintenance, or use of the
vehicle, aircraft, or animal; and provision for medical, hospital, surgical, disability benefits to injured persons and
funeral and death benefits to dependents, beneficiaries, or personal representatives of persons killed, irrespective of
legal liability to the insured, if issued as an incidental coverage with or supplemental to insurance on the vehicle,
aircraft, or animal;
- (2) liability insurance: insurance against legal liability for the death, injury or disability of a human being, or for
damage to property; and provision of medical, hospital, surgical, disability benefits to injured persons and funeral
and death benefits to dependents, beneficiaries or personal representatives of persons killed, irrespective of legal
liability of the insured, if issued as an incidental coverage with or supplemental to liability insurance;
- (3) workers' compensation and employer's liability: insurance of the obligations accepted by, imposed upon, or assumed by
employers under law for death, disablement, or injury of employees;
- (4) burglary and theft: insurance against loss or damage by burglary, theft, larceny, robbery, forgery, fraud, vandalism,
malicious mischief, confiscation, or wrongful conversion, disposal, or concealment, or from an attempt at any of the
foregoing; including supplemental coverage for medical, hospital, surgical, and funeral expense incurred by the named
insured or any other person as a result of bodily injury during the commission of a burglary, robbery, or theft by
another; also insurance against loss of or damage to money, coins, bullion, securities, notes, drafts, acceptances, or
other valuable papers and documents, resulting from any cause;
- (5) personal property floater: insurance upon personal effects against loss or damage from any cause under a personal
- (6) glass: insurance against loss or damage to glass, including its lettering, ornamentation, and fittings;
- (7) boiler and machinery: insurance against any liability and loss or damage to property or interest resulting from
accident to or explosions of boilers, pipes, pressure containers, machinery, or apparatus, and to make inspection of
and issue certificates of inspection upon boilers, machinery, and apparatus of any kind, whether or not insured;
- (8) leakage and fire extinguishing equipment: insurance against loss or damage to any property or interest caused by the
breakage or leakage of sprinklers, hoses, pumps, and other fire extinguishing equipment or apparatus, water pipes or
containers, or by water entering through leaks or openings in buildings, and insurance against loss or damage to the
sprinklers, hoses, pumps, and other fire extinguishing equipment or apparatus;
- (9) credit: insurance against loss or damage resulting from failure of debtors to pay their obligations to the insured;
- (10) malpractice: insurance against legal liability of the insured, and against loss, damage, or expense incidental to a
claim of liability, and including medical, hospital, surgical, and funeral benefits to injured persons, irrespective of
legal liability of the insured, arising out of the death, injury or disablement of a person, or arising out of damage
to the economic interest of a person, as the result of negligence in rendering expert, fiduciary, or professional
- (11) elevator: insurance against loss of or damage to any property of the insured, resulting from the ownership,
maintenance, or use of elevators, except loss or damage by fire, and to make inspection of and issue certificates of
inspection on elevators;
- (12) livestock: insurance against loss or damage to livestock, and services of a veterinary for the animals;
- (13) entertainments: insurance indemnifying the producer of a motion picture, television, radio, theatrical, sport,
spectacle, entertainment, or similar production, event, or exhibition against loss from interruption, postponement, or
cancellation due to death, accidental injury, or sickness of performers, participants, directors, or other principals;
- (14) miscellaneous: insurance against any other kind of loss, damage, or liability properly a subject of insurance and not
within another kind of insurance as defined in this chapter, if the insurance is not disapproved by the director as
being contrary to law or public policy.
- (b) The provision of medical, hospital, surgical, and funeral benefits, and of coverage against accidental death or
injury, as incidental to and part of other insurance defined in (a)(1), (2), (4), and (10) of this section, shall for
all purposes be considered to be the same kind of insurance to which it is incidental, and is not subject to provisions
of this title applicable to life or health insurance.
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