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Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made.
In wartime, you'll hear the word casualty used often for someone killed or injured. But casualty can also refer to deaths or injuries suffered in an accident or some other unfortunate event. The term casualties of war has been around for a while and refers to the ugly downside of military victory. Anyone who loses life or limb, either in the fighting or as a civilian, is called a casualty.