The traditional definition of miscellaneous category in insurance was- covering everything other than fire and marine insurance. However with recognition of segments with sizeable premium shares like engineering insurance, motor insurance, health insurance and liability insurance etc. are treated as distinct categories.
All other policies covering property, human body, business interests are covered here.
A sole proprietor, a business man, an industrialist- in brief anyone running a business involving interests in business property, health & welfare of workmen and employees & the financial integrity of employees can select a suitable policy.