Terms of this type of insurance are usually very strict. This coverage typically includes expenses related to medical treatment and loss of wages, as well as disability and death benefits. Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes incurred by directors and officers for which they are liable. Today, it is common for commercial insurance companies to have HMOs as subsidiaries, and for HMOs to have insurers as subsidiaries (the state license for an HMO is typically different from that for an insurance company).[4][49][43] At one time the distinctions between traditional indemnity insurance, HMOs and PPOs were very clear; today, it can be difficult to distinguish between the products offered by the various types of organization operating in the market.[50] The blurring of distinctions between the different types of health care coverage can be seen in the history of the industry's trade associations