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Health insurance paid for by business entities generally on behalf of their employees and other immediate stakeholders. Broadly classified as Traditional/Indemnity and Managed/Preferred Provider. Most private health coverage in the U.S. is employment based, and the employer typically makes a substantial contribution towards the cost of coverage.

Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a patent infringement and theft of trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.