Risks that can be considered for supplemental insurance and reinsurance must be business casualty risks. Personal risks cannot be covered by business casualty policies. Employee risks, such as disability, cannot be covered since this is personal in nature. Additionally, routine business decisions cannot be insured as casualty risks. These would include, for example, inaccurate bids, poor hiring decisions, and engaging the wrong marketing agency. Furthermore, life insurance and health insurance are not candidates for business casualty insurance and reinsurance.