Venezuela's insurer Seguros Caracas de Liberty Mutual provides health, car, life, personal accident, workers compensation and P&C products for both individuals and businesses. Health insurance products cover illnesses such as tuberculosis, hepatitis, appendicitis and pneumonia, while life insurance offers protection against a range of medical and hospital expenses arising from heart attacks, strokes, cerebral hemorrhage, and organ transplant surgeries (heart, lung, pancreas, liver, and bone marrow). The insurer also helps industrial and commercial businesses manage their risks through comprehensive insurance products. Such solutions would include protection against loss or damage caused by fire, lightning, explosions, and aircraft damage. Seguros Caracas has been a subsidiary of US insurer Liberty Mutual since 1995.