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Mystery Roulette - Stargame Spiel (Online-Casino 2014) Follow us on Facebook. This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Liability — Broadly, any legally enforceable obligation. Homeowners Insurance — Protects homeowners from losses to their homes, personal property, and some types of damage or injury to others for which the homeowner is liable. We try to improve your chance of bigger wins and better gaming experience. Casualty — Liability or loss resulting from an accident. In life insurance, living and death benefits are listed. Life Insurance — Policy taken out by the insured to pay the beneficiary a certain amount upon the insured's death. In property insurance, the policyholder is required to carry coinsurance equal to a specified percentage of the value of property to receive full payment on a loss. Insured — A person or organization covered by an insurance policy. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold, work completed or contractual liability. Pays the cost of treatment, rehabilitation and sometimes lost wages and funeral expenses due to an accident Automobile Liability Insurance — Coverage if an insured is legally liable for bodily injury or property damage caused by a vehicle that the individual owns or operates.