Please use the checklist below to indicate the operation in the QBE Pacific Islands region to which you will be submitting your proposal. MARKET. 1. YOU must answer all questions giving full and complete answers. 2.It is YOUR duty to provide all information that is requested in the Proposal Form. Our Accident insurance provides cash directly to the insured individual for the unexpected costs of an accidental injury. Zurich provides specialized commercial insurance for various industries, ensuring your business is well-protected with individualized solutions. Note: Please see the Master Policy for complete and individual state details.