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Casualty insurance insures in opposition to accidents, not necessarily tied to any particular property. It is a broad spectrum of insurance that numerous other forms of insurance might be classified, similar to auto, employees compensation, and a few legal responsibility insurances. Indemnity – the insurance company indemnifies or compensates the insured in the case of sure losses solely up to the insured's interest. By the late 19th century governments started to provoke national insurance programs against sickness and old age. Germany built on a tradition of welfare programs in Prussia and Saxony that started as early as within the 1840s. In the Eighties Chancellor Otto von Bismarck introduced old age pensions, accident insurance and medical care that shaped the basis for Germany's welfare state.