WAEC Commerce 2016 Theory question 104

(a) Marine insurance – covers ships (hull), cargo and freight against risks at sea such as sinking, fire, piracy and collision.
(b) Accident insurance – covers losses from accidents other than at sea and fire, e.g. motor, personal accident, burglary, employers' liability.
(c) Group insurance – a single policy taken by an employer covering the lives (or health) of all employees as a group.
(d) Fidelity guarantee insurance – protects an employer against loss of money or goods through fraud or dishonesty of employees.
(e) Consequential loss insurance – covers loss of profit and continuing expenses when a business is stopped by an insured event such as fire.

Say what risk each class covers and who takes it.