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      Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on facial products to reduce pores the order of 5 percent. Total permanent disability insurance insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance. Errors and omissions insurance: See "Professional liability insurance" under "Liability insurance". Expatriate insurance provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits. Fraternal insurance is provided on a cooperative basis by fraternal benefit socieities or other social organizations.[9] Financial loss insurance protects individuals and companies against various financial risks. The terms of this type of insurance are usually very strict