2023 Laws of Puerto Rico › TITLE TWENTY-SIX - Insurance (§§ 101 — 10377) › Subtitle 1 - Insurance Generally (§§ 101 — 4513) › Chapter 4 - Kinds of Insurance; Reinsurance; Limits of Risk (§§ 401 — 415) › § 408 - Casualty insurance, defined

Casualty insurance.— Includes vehicle insurance as defined in § 407 of this title, and in addition is:
(1) Liability insurance.— Insurance against legal liability for the death, injury, or disability of any human being, or for damage to property; and provision of medical, hospital, surgical and funeral benefits to individuals insured, irrespective of legal liability of the insured, when issued as an incidental coverage with, or supplemental to, liability insurance.
(2) Workmen’s compensation and employer’s liability.— Insurance of the obligations accepted by, or assumed by employers under law for death, disablement, or injury of employees.
(3) Burglary and theft.— Insurance against loss or damage by burglary, theft, larceny, robbery, forgery, counterfeiting, fraud, vandalism, malicious mischief, confiscation, or wrongful conversion, disposal or concealment, or from any attempt of any of the foregoing, also insurance against loss of or damage to moneys, coins, bullion, securities, notes, drafts, acceptances, or any other valuable papers and documents, resulting from any cause, except while in the custody or possession of and being transported by any carrier for hire or in the mail.
(4) Personal property floater.— Insurance of individuals, by an all-risk type of policy commonly known as the “personal property floater”, against any and all kinds of loss of or damage to, or loss of use of, any personal property other than merchandise.
(5) Glass insurance.— Insurance against loss or damage to glass and its appurtenances resulting from breakage.
(6) Boiler and machinery.— Insurance against any liability and loss of or damage to property or interest therein, resulting from accidents to or explosion 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.
(7) Elevator insurance.— 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 upon elevators.
(8) Leakage and fire extinguishing equipment.— Insurance against loss of or damage to any property or interest therein, caused by the breakge or leakage of sprinklers, hoses, pumps, and other fire extinguishing equipment or apparatus, water pipes and containers, or by water entering through leaks or opening in buildings, and insurance against loss of or damage to such sprinklers, hoses, pumps, and other fire extinguishing equipment or apparatus.
(9) Credit insurance.— 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 expenses incident to a claim of such 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 any person, or arising out of damage to the economic interest of any person, as the result of negligence in rendering expert, fiduciary, or professional service.
(11) Entertainments.— Insurance indemnifying the producer or promoter of any motion picture, television, radio, theatrical, sport, spectacle, entertainment, or similar production, event, or exhibition against loss from interruption, postponement, or cancellation thereof due to death, accidental injury, or sickness of performers, participants, directors, or other principals.
(12) Miscellaneous.— Insurance against any other kind of loss, damage, or liability properly a subject of insurance and not within any other kind of insurance as defined in this chapter, if such insurance is not disapproved by the Commissioner as being contrary to law or public policy.
History —Ins. Code § 4.080.