If you run a small business from a spare room, you may need insurance for that work, not just for the house. RLI sells exactly that kind of cover. Its insurance companies write specialty policies for niche risks in three areas. Casualty covers liability for injury or damage. The other two are property and surety bonds, which guarantee that a contractor or customer will meet its obligations. Customers pay premiums, RLI pays claims later, and it invests the money in between. So it earns twice: once from pricing risk well, and again from its investment portfolio.
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