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      The first party, in Bird bath and beyond general, has provided some property or service to the second party under the assumption (usually enforced by contract) that the second party will return an equivalent property or service. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick. As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area. Total permanent disability insurance insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance. Errors and omissions insurance: See "Professional liability insurance" under "Liability insurance". Expatriate insurance provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits. Fraternal insurance is provided on "Bird bath and beyond" a cooperative basis by fraternal benefit socieities or other social organizations.[9] Financial loss insurance protects individuals and companies against various financial risks