Non-life insurance covers policies that protect people and organisations against financial losses other than those arising from death. It includes cover for property, vehicles, travel, liability and legal expenses, with the scope and limits set out in each policy. Customers may buy insurance directly or through an intermediary, and policies can be arranged for individuals, households, businesses or specialist risks. Common products include motor, home and contents, buildings, travel, pet, business property, public and employers' liability, professional indemnity and commercial vehicle insurance. Providers and brokers typically assess the information supplied about the person, property or activity to be insured, explain available cover and exclusions, issue policy documents and handle renewals. When an insured event occurs, claims teams or appointed loss adjusters may assess the circumstances and determine whether the policy covers the loss and what payment or other support is due.