General insurance can be grouped into direct business and reinsurance business. Major types of insurance service include property damage, general liability, accident and health and motor vehicles.

一般保险可分为直接保险及再保险业务，主要包括财产损坏、一般法律责任、意外及健康，以及汽车等保险服务。

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Adam Rose, an economist at the University of Southern California, prefers to include only direct costs such as business interruption and property damage.

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