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Self-insurance is a situation in which a person or business that is liable for some risk does not take out any third-party insurance, but rather chooses to bear the risk itself.

In the United States the concept applies especially to self-funded health care and may involve, for example, an employer providing certain benefits – generally health benefits or disability benefits – to employees and funding claims from a specified pool of assets rather than through an insurance company, as the term is traditionally used. In self-funded health care, the employer ultimately retains the full risk of paying claims, in contrast to traditional insurance, where all risk is transferred to the insurer.

Health	Accident Accidental death and dismemberment Dental Disability Total permanent disability Business overhead expense Income protection Long-term care National health Payment protection
Life	Longevity insurance Mortgage life Term life Unitised fund Universal life Variable universal life Whole life
Business	Bond Business interruption Business owner Collateral protection Directors and officers liability Fidelity Over-redemption Payment protection Pollution Professional liability Protection and indemnity Surety Trade credit Umbrella
Residential	Boiler Builder's risk Contents Earthquake Flood Home Landlords' Lenders mortgage Mortgage Property Renters' Title
Transport/ Communication	Aviation GAP insurance Inland marine Public auto Marine Satellite Shipping Travel Vehicle
Other	Reinsurance Catastrophe bond Insurance-linked securities Casualty Climate risk Crime Crop Catastrophic Multi-peril Cyber Deposit Expatriate Extended warranty Group Index-based Parametric Interest rate Kidnap and ransom Legal expenses Liability No-fault Pet Political risk Prize indemnity Takaful Terrorism Tuition War risk Weather Workers' compensation

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