Searches , social queries for GEM
Search references for GEM. Phrases containing GEM
See searches and references containing GEM!
Search references for GEM. Phrases containing GEM
See searches and references containing GEM!GEM
Piece of mineral crystal used to make jewelry
A gemstone (also called a fine gem, jewel, precious stone, semiprecious stone, or simply gem) is a piece of mineral crystal which, when cut or polished
Gemstone
Topics referred to by the same term
up gem in Wiktionary, the free dictionary. A gem, or gemstone, is a cut rock or mineral. Gem or GEM may also refer to: Gem Reeves, in Neighbours Gem, in
Gem_(disambiguation)
Hong Kong singer (born 1991)
Gloria Tang Sze-wing (born 16 August 1991), known professionally as G.E.M. (backronym of Get Everybody Moving) or Tang Tsz-kei, is a Hong Kong singer
G.E.M.
Topics referred to by the same term
Gem City may refer to: Gem, Indiana Gem, Kansas It may also refer to any of the following cities which are known by the nickname Gem City: Monrovia, California
Gem_City
Indian government internet platform
Government e Marketplace (GeM) is an online platform for public procurement in India. The initiative was launched on 9 August 2016, by the Ministry of
Government_e_Marketplace
Operating environment created by Digital Research
GEM (Graphics Environment Manager) is a discontinued operating environment released by Digital Research in 1985. GEM is known primarily as the native graphical
GEM_(desktop_environment)
Topics referred to by the same term
Gem TV or Gems TV may refer to: GEM TV, a Turkey-based group of Persian-language satellite television channels GEM TV, former name of DZCE-TV a.k.a. INC
Gem_TV
Shipborne RF active decoy
C-GEM is a shipborne RF active decoy developed by Rafael Advanced Defense Systems of Israel. The decoy is used to protect vessels by luring anti-ship
C-GEM
Package manager for Ruby
RubyGems is a package manager for the Ruby programming language that provides a standard format for distributing Ruby programs and libraries (in a self-contained
RubyGems
Variety of beryl
common gemstone, rendering it more accessible for purchase, compared to other gems in the beryl family. Aquamarine mainly forms in granite pegmatites and hydrothermal
Aquamarine_(gem)
Fictional cosmic items with the power to grant a user an ability/abilities
The Infinity Gems (originally referred to as Soul Gems and later as Infinity Stones) are six fictional gems appearing in American comic books published
Infinity_Gems
Gemstone made up of other gems
An assembled gem (also called a composite gem) is a gemstone made up of other smaller gems. An assembled gem can often be a fake gem with a desirable
Assembled_gem
Hotels in Manhattan, New York
launched in 2007, currently has three locations: The GEM Hotel Midtown West, The GEM Hotel SoHo and The GEM Hotel Chelsea, which was voted Best New York City
The_GEM_Hotel
American solid rocket booster
The Graphite-Epoxy Motor (GEM) is a family of solid rocket boosters developed in the late 1980s and first flown in 1990. The motors use casings made from
Graphite-Epoxy_Motor
2026 studio album by Julia Jacklin
The Gem is the fourth studio album by the Australian singer-songwriter Julia Jacklin. It was released on 25 September 2026 under 4AD and Remote Control
The_Gem_(album)
Species of plant
Malawi, Mozambique, Tanzania, and Zimbabwe. Its common names include Zanzibar gem, Zuzu plant, emerald palm, ZZ plant, aroid palm and eternity plant. It is
Zamioculcas
English musician (born 1966)
Colin Murray "Gem" Archer (/ɡɛm/ GEHM; born 7 December 1966[citation needed]) is an English guitarist, singer and songwriter. He is best known as a member
Gem_Archer
American animated television series
a young boy, Steven Universe (Zach Callison), who lives with the Crystal Gems—magical, mineral-based aliens named Garnet (Estelle), Amethyst (Michaela
Steven_Universe
Semiconductor equipment
SECS/GEM is the semiconductor industry's equipment interface protocol for equipment-to-host data communications. It is the messaging standard that facilitates
SECS/GEM
2008 video game
GemCraft is a series of tower defense games created by Hungarian studio Game In A Bottle, in which magical gems are used as the primary means of offense
GemCraft
Shaping of gemstones for jewelry
minerals, or gemstones into decorative items such as cabochons, engraved gems (including cameos), and faceted designs. A person who practices lapidary
Lapidary
Archaeological museum in Giza, Egypt
The Grand Egyptian Museum (GEM; Arabic: المتحف المصري الكبير, romanized: al-Matḥaf al-Miṣriyy al-Kabir) is a national archaeological museum in Giza, Egypt
Grand_Egyptian_Museum
Valley in Caribou County, Idaho, United States
Gem Valley is a rural valley in Caribou County, Bannock, and Franklin counties in Idaho, United States, so named for its local gemstones which can be
Gem_Valley
Topics referred to by the same term
Gem Theatre or Gem Theater may refer to: Gem Theatre (Detroit) Gem Theater (Deadwood, South Dakota) Gem Theatre (Kannapolis, North Carolina) Gem Theater
Gem_Theatre
1999 windowing system
FreeGEM released in 1999 is a windowing system based on Digital Research's GEM which was first released in 1985. GEM stands for "Graphics Environment Manager"
FreeGEM
Variety of summer squash
Gem squash (Cucurbita pepo var. pepo) is a variety of summer squash that may have been domesticated from two wild varieties; Cucurbita texana found in
Gem_squash
Ply Gem is a North American building products manufacturer. It produces a range of exterior building materials. Ply Gem was founded in 1943. In 2014,
Ply_Gem
Topics referred to by the same term
up gems or GEMS in Wiktionary, the free dictionary. Gems, or gemstones, are polished, cut stones or minerals. Gems or GEMS may also refer to: Gems (Aerosmith
Gems_(disambiguation)
American film studio
Screen Gems is an American film production company of Sony Pictures, a subsidiary of the Japanese conglomerate, Sony Group Corporation. The Screen Gems division
Screen_Gems
Gem glued on tooth for cosmetic reasons
A tooth gem is a gemstone glued onto the enamel of a person's tooth. It can be a single gemstone, or multiple arranged into shapes. They are semi-permanent
Tooth_gem
Traditional gem classification
Cardinal gems are gemstones which have traditionally been considered precious above all others. The classification of the cardinal gems dates back to antiquity
Cardinal_gem
UK weekly boys' story paper
The Gem (1907–1939) was a story paper published in Great Britain by Amalgamated Press in the early 20th century, predominantly featuring the activities
The_Gem
19th-century collection of forgeries
The Poniatowski gems are a collection of over 2,600 engraved gems commissioned by Prince Stanisław Poniatowski (1754–1833), a wealthy Polish nobleman
Poniatowski_gems
Opaque, blue-to-green mineral
guiding reference for evaluating turquoise quality. Like most other opaque gems, turquoise has been devalued by the introduction of treatments, imitations
Turquoise
Beryl variety
of gems to the American Museum of Natural History in New York and to the Museum of Natural History in Paris. Morgan was one of the most important gem collectors
Morganite_(gem)
Variety of beryl
Goshenite is a colorless gem variety of beryl. It is sometimes called the “mother of all gemstones” because the addition of various trace elements in
Goshenite_(gem)
Small carved gemstones
An engraved gem, frequently referred to as an intaglio (pl. intaglios, intagli), is a small and usually semi-precious gemstone that has been carved, in
Engraved_gem
American show jumping horse (1979–2006)
Gem Twist (June 12, 1979 – November 18, 2006) was a 16.3 hands (67 inches, 170 cm) world champion American Thoroughbred show jumping horse registered
Gem_Twist
1999 video game
Lil' Monster, known as Gem Gem Monster (ジェムジェムモンスター) in Japan, is a video game for the Game Boy Color handheld, published by Agetec. The game entailed
Lil'_Monster
Silicon carbide mineral
company helmed by Charles Eric Hunter, formed Charles & Colvard to market gem quality moissanite. Charles & Colvard was the first company to produce and
Moissanite
Unincorporated community in Ohio, U.S.
Gem is an unincorporated community in Noble County, in the U.S. state of Ohio. Gem was founded in 1892 by Thomas R. Harper, who built a store there and
Gem,_Ohio
Variety of maize
Glass Gem Corn is an American heirloom flint corn, a form of maize. A variety of what is called "Indian corn", it is prized for its often translucent
Glass_Gem_Corn
Defunct American motor vehicle manufacturer
The Gem was an automobile manufactured in both Jackson, Michigan and Grand Rapids, Michigan by the Gem Motor Car Company from December, 1917 to 1919. The
Gem_(automobile)
Cruise ship
Norwegian Gem is a Jewel-class cruise ship of Norwegian Cruise Line (NCL). She is the final cruise ship of the Jewel class and was built by German shipbuilder
Norwegian_Gem
Unincorporated community in Texas, US
Gem is an unincorporated community in Hemphill County, Texas, United States. A post office called Gem was established in 1909, and remained in operation
Gem,_Texas
1990 novel by R. A. Salvatore
The Halfling's Gem is a 1990 fantasy novel by American writer by R. A. Salvatore, the third book in The Icewind Dale Trilogy. The dark elf Drizzt Do'Urden
The_Halfling's_Gem
Green gemstone, a beryl variety
Latin smaragdus, which was via Ancient Greek: σμάραγδος (smáragdos; "green gem"). The Greek word may have a Semitic, Sanskrit or Persian origin. According
Emerald
2003 video game
Gem Smashers is a puzzle video game developed in Italy by Frame Studios and published by Metro3D for the Game Boy Advance. The game was released in North
Gem_Smashers
American electric vehicle manufacturer
Global Electric Motorcars (GEM) is an American automotive manufacturer specializing in neighborhood electric vehicles (NEVs) since 1998 and low-speed
Global_Electric_Motorcars
Video game convention
GEM Awards is an international video game convention held in Sevilla, which rewards the best video games in 2024 and is formed by fifteen categories,
GEM_Awards
American trade association
The American Gem Society (AGS) is a trade association of retail jewelers, independent appraisers, suppliers, and selective industry members, which was
American_Gem_Society
Silicate mineral
the state gemstone of the US state of Texas. The 4th wedding anniversary gem is blue topaz and the 23rd is imperial topaz. Synthetic topaz can be produced
Topaz
Iranian satellite TV channels
expand its viewers. GEM Television commenced work in 2006, owned and managed by GEM Group ("General Entertainment and Media Group"). GEM Group was established
GEM_TV
2025 EP by KiiiKiii
Uncut Gem is the debut extended play of the South Korean girl group KiiiKiii. It was released by Starship Entertainment and distributed by Kakao Entertainment
Uncut_Gem
Side-wheel paddle steamer
The PS Gem is a retired side-wheel paddle steamer that was first launched in 1876 on the Murray River at Moama, New South Wales. She operated as a cargo
PS_Gem
563.35-carat star sapphire
largest such gems in the world. It is almost flawless and is unusual in that it has stars on both sides of the stone. The greyish-blue gem was mined in
Star_of_India_(gem)
First cloned mule (born 2003)
The mule Idaho Gem (born May 4, 2003) is the first cloned equine and first cloned mule. Cloning equines has historically posed challenges, as horse oocytes
Idaho_Gem
English lawyer, soldier, writer and sportsman
Major Thomas Henry Gem (21 May 1819 – 4 November 1881), known as Harry Gem, was an English lawyer, soldier, writer and sportsman. Alongside his friend
Harry_Gem
Japanese pop band
GEM (acronym for "Girls Entertainment Mixture") was a Japanese idol girl group formed in 2013, and part of the Idol Street project maintained by Avex
GEM_(band)
Gem sculpture in ancient Rome
Gem of Augustus) is an ancient Roman low-relief cameo engraved gem cut from a double-layered Arabian onyx stone. It is commonly agreed that the gem cutter
Gemma_Augustea
Power shovel for strip mining
The GEM of Egypt was a power shovel built by Bucyrus-Erie in 1966. The shovel was designed for strip mining at the Egypt Valley coalfield near Barnesville
GEM_of_Egypt
Filipina actress and politician
Retuerto-Amante (born November 7, 1975), better known by her stage name Gem Castillo, is a Filipino politician, businesswoman and former actress. She
Gem_Castillo
2019 film by the Safdie brothers
Uncut Gems is a 2019 American crime thriller film directed by Josh and Benny Safdie, who wrote it with Ronald Bronstein. It stars Adam Sandler, LaKeith
Uncut_Gems
City in Thomas County, Kansas
Gem is a city in Thomas County, Kansas, United States. As of the 2020 census, the population of the city was 98. Gem was a shipping point on the Chicago
Gem,_Kansas
Gem Diamonds is a British-based global diamond mining business. It is headquartered in London and is listed on the London Stock Exchange. In 2017, the
Gem_Diamonds
Hamlet in Alberta, Canada
Gem is a hamlet in southern Alberta, Canada within the County of Newell. It is located approximately 29 kilometres (18 mi) north of Highway 1 and 66 kilometres
Gem,_Alberta
Gem Club is an American chamber pop band formed in Somerville, Massachusetts by singer-songwriter Christopher Barnes. Gem Club was formed by Christopher
Gem_Club
Japanese audio production studio
GEM Impact is an audio production studio founded by game composer and saxophonist Norihiko Hibino in 2005. It is located in Tokyo, Japan, and employs
GEM_Impact
8th episode of the 4th season of Steven Universe
"Gem Harvest" is the eighth episode of the fourth season of the American animated television series Steven Universe. A special double-length episode,
Gem_Harvest
Marvel Comics character
Spider-Man and the Hulk. Cain Marko is a regular human who was empowered by a gem belonging to the deity Cyttorak, becoming a human juggernaut. He possesses
Juggernaut_(character)
Zodiac constellation in the northern hemisphere
the star δ Gem, Pollux's right knee by ζ Gem, Pollux's right foot by γ Gem, Pollux's left knee by λ Gem, and Pollux's left foot by ξ Gem. γ Gem is of the
Gemini_(constellation)
2008 mathematics book
Euler's Gem: The Polyhedron Formula and the Birth of Topology is a book on the formula V−E+F=2 for the Euler characteristic of convex polyhedra and its
Euler's_Gem
Historic 45.52-carat diamond of deep-blue color
in 1666, when the French gem merchant Jean-Baptiste Tavernier purchased the raw Golconda stone in India. After cutting the gem and renaming it "the French
Hope_Diamond
Metal device to hold papers together
(though some are covered in plastic). Most paper clips are variations of the Gem type introduced in the 1890s or earlier, characterized by the one and a half
Paper_clip
Play by August Wilson
Gem of the Ocean (2003) is a play by American playwright August Wilson. Although the ninth play produced, chronologically it is the first installment
Gem_of_the_Ocean
Canadian television network
on cable and satellite television providers, and live streamed on its CBC Gem video platform. The channel is also used to distribute children's programming
CBC_Television
Confidence game against tourists in Thailand
The gem scam is a confidence trick performed usually against tourists. The most known version occurs in Bangkok, Thailand, as well as other cities in
Gem_scam
1985 video game
Jason's Gem is a computer game for the ZX Spectrum. It was published in 1985 by Mastertronic and written by Simon White. The hero Jason must make his
Jason's_Gem
Radio station in England
Solid Gold GEM AM (later Classic Gold GEM-AM) was an Independent Local Radio station, broadcasting to much of Nottinghamshire, Derbyshire, Leicestershire
Classic_Gold_GEM
U.S. state
around one-third of the nationwide yield. Its official state nickname is the "Gem State". In the early 1860s, when the U.S. Congress was considering organizing
Idaho
Jack-up oil rig
Sea Gem was the first British jack-up oil rig and made the first British discovery of natural gas in September 1965, although the find was too small to
Sea_Gem
Airline of the United States
Gem Air is a commuter airline based in Salmon, Idaho, United States. The company has been operating in Idaho since 1982 (though it operated under the
Gem_Air
Dungeons & Dragons adventure module
The Gem and the Staff, by John and Laurie Van De Graaf, is an adventure module for the Dungeons & Dragons Expert Set. Rather than being a typical group
The_Gem_and_the_Staff
Mineral
member of the elbaite. It is also the rarest gem in its family. It is occasionally mistaken for ruby. These gems typically contain inclusions. Notable countries
Rubellite
2007 Hong Kong television drama series
The Gem of Life (Traditional Chinese: 珠光寶氣) is a TVB grand production drama, that broadcast between October 2008 and February 2009. The series was specifically
The_Gem_of_Life
The gem towns are 51 British towns chosen by the Council for British Archaeology in 1964 from a list 324 historic towns and cities that were thought to
Gem_towns
Former newspaper stand and candy store in New York City
Gem Spa was a newspaper stand and candy store located on the corner of St. Mark's Place and Second Avenue in the East Village neighborhood of Manhattan
Gem_Spa
1943 film by Del Lord
A Gem of a Jam is a 1943 short subject directed by Del Lord starring American slapstick comedy team The Three Stooges (Moe Howard, Larry Fine and Curly
A_Gem_of_a_Jam
Group of nine gems
Navaratna (Sanskrit: नवरत्न) is a Sanskrit compound word meaning "nine gems" or "ratnas". Jewellery created in this style has important cultural significance
Navaratna
Star in the constellation Gemini
Geminorum, which is Latinised to Beta Geminorum and abbreviated Beta Gem or β Gem. This is an orange-hued red giant located at a distance of 34 light-years
Pollux_(star)
Peanuts comic strip character
it is revealed they were a gift from her father because she was "a rare gem". Peppermint Patty is noted for her somewhat dull and slow-minded temperament
Peppermint_Patty
Glacier in Montana, United States
This is Gem Glacier is the smallest glacier in Glacier National Park (U.S.). Located on the east (Glacier County) side of the Continental Divide arête
Gem_Glacier
Historic cinema and event venue in Detroit
The Gem Theatre is an event facility located in Detroit, Michigan that has served as both wedding venue and private event space since 1991. Operated by
Gem_Theatre_(Detroit)
Star system in the constellation Gemini
ν Gem together with γ Gem (Alhena), η Gem (Propus), μ Gem (Tejat), and ξ Gem (Alzirr) formed the Arabic asterism Al Nuḥātai, the Camel's Hump; ν Gem being
Nu_Geminorum
Crane ship in Ready Reserve for the United States Navy
SS Gem State (T-ACS-2) is a crane ship in Ready Reserve for the United States Navy. The ship was named for the state of Idaho, which is also known as
SS_Gem_State
Initiation ceremony in Buddhism
session. Its object is typically the Three Jewels (also known as the Triple Gem, Three Treasures, or Three Refuges, Pali: ti-ratana or ratana-ttaya; Sanskrit:
Refuge_in_Buddhism
American patriotic song
"Columbia, the Gem of the Ocean" (originally "Columbia, the Land of the Brave") is an American patriotic song which was popular in the U.S. during the
Columbia, the Gem of the Ocean
Columbia,_the_Gem_of_the_Ocean
Church in Manchester, England
The Hidden Gem, officially St Mary's Catholic Church, is a church on Mulberry Street, Manchester, England. The parish dates back to 1794, with devotion
The_Hidden_Gem
1982 painting by Jean-Michel Basquiat
Untitled (Gem Spa) is a 1982 painting created by American artist Jean-Michel Basquiat in 1982. It is an autobiographical work depicting a sparsely rendered
Gem_Spa_(Basquiat)
Rare variety of beryl
rare variety of beryl as well as one of the rarest minerals on Earth. The gem gets its red color from manganese ions incorporated within the beryl crystal
Red_beryl
travel, tourism, insurance
GEM
GEM
Male
Hebrew
(גְּמַרְיָהוּ) Variant form of Hebrew Gemaryah, GEMARYAHU means "God has accomplished." In the bible, this is the name of one of the nobles who lived in the time of Jeremiah.
Boy/Male
Tamil
Manindra | மநீநà¯à®¤à¯à®°
Diamond, Lord of gems
Manindra | மநீநà¯à®¤à¯à®°
Male
Chinese
revolution.
Male
English
From Latin geminus GEMINI means "twin." In Astrology, it is a zodiac sign. In Astronomy, it is the name of a constellation. In Roman mythology, Castor and Pollux are the Gemini twins, the sons of Leda, brothers to Helen of Troy and Clytemnestra. In Greek they are called the Dioskouroi.
Girl/Female
Latin
Gem; a jewel.
Girl/Female
African, American, Australian, British, Chinese, Christian, Danish, Dutch, English, French, German, Irish, Italian, Jamaican, Latin
Jewel; Precious Stone; Gem
Boy/Male
Tamil
Marutatmaja | மாஂரà¯à®¤à®¾à®¤à¯à®®à®¾à®œà®¾
Adored like gems
Marutatmaja | மாஂரà¯à®¤à®¾à®¤à¯à®®à®¾à®œà®¾
Boy/Male
Tamil
Marutatmaj | மாஂரà¯à®¤à®¾à®¤à¯à®®à®œÂ
Most beloved like gems
Marutatmaj | மாஂரà¯à®¤à®¾à®¤à¯à®®à®œÂ
Male
Hebrew
(גְּמַרְיָה) Hebrew name GEMARYAH means "God has accomplished." In the bible, this is the name of the son of Hilkiah who bore Jeremiah's letter to the captive Jews.Â
Surname or Lastname
English and Scottish
English and Scottish : habitational name from any of the places so called. In over thirty instances from many different areas, the name is from Old English midel ‘middle’ + tūn ‘enclosure’, ‘settlement’. However, Middleton on the Hill near Leominster in Herefordshire appears in Domesday Book as Miceltune, the first element clearly being Old English micel ‘large’, ‘great’. Middleton Baggot and Middleton Priors in Shropshire have early spellings that suggest gem̄ðhyll (from gem̄ð ‘confluence’ + hyll ‘hill’) + tūn as the origin.A Scottish family of this name derives it from lands at Middleto(u)n near Kincardine. The Scottish physician Peter Middleton practiced in New York City after 1752 and was one of the founders of the medical school at King's College (now Columbia University) in 1767. One of the earliest of the Charleston, SC, Middleton family of prominent legislators was Arthur Middleton, born in Charleston in 1681.
Girl/Female
Latin
Gem; a jewel.
Surname or Lastname
Americanized form of Geman Wehry.English
Americanized form of Geman Wehry.English : nickname from Middle English wery ‘wicked’, ‘acursed’ (from Old English wearg).
Male
Hebrew
Variant spelling of Hebrew Gemarya, GEMARIA means "God has accomplished."
Surname or Lastname
Irish
Irish : shortened form of McMeans.English : habitational names from East and West Meon in Hampshire, which take their names from the Meon river. The word is Celtic but of uncertain meaning, possibly ‘swift one’.nickname from Middle English mene ‘inferior in rank’, ‘of low degree’ (from Old English gemǣne), or from Middle English mene ‘moderate in behaviour’ (from Old French mëen, mean).
Female
English
Italian name GEMMA means "precious stone."
Male
Hebrew
Variant spelling of Hebrew Gemaryah, GEMARYA means "God has accomplished."Â
Surname or Lastname
English
English : habitational name from Minskip in West Yorkshire, Manships Shaw in Surrey, or Manchips Field in Bishop’s Stortford, Hertfordshire, all named with the same Old English word, gemǣnscipe ‘community’, ‘fellowship’, also ‘land held in common’.
Male
English
Anglicized form of Hebrew Gemaryah, GEMARIAH means "God has accomplished." In the bible, this is the name of the son of Hilkiah who bore Jeremiah's letter to the captive Jews.Â
Boy/Male
Tamil
Oppilmani | ஓபà¯à®ªà®¿à®²à®®à®£à®¿Â
Purest of gems
Oppilmani | ஓபà¯à®ªà®¿à®²à®®à®£à®¿Â
Girl/Female
Australian, Latin
Gem; A Jewel
GEM
GEM
GEM
GEM
GEM
GEM
GEM
a.
Producing gems or buds
n.
A bud produced in generation by gemmation.
n.
The quality or characteristics of a gem or jewel.
pl.
of Gemma
n. pl.
Alt. of Gemmipares
a.
In pairs or twains; two together; binate; twin; as, geminate flowers.
a.
Pertaining to gems; of the nature of gems; resembling gems.
n.
The state or quality of being gemmy; spruceness; smartness.
n.
A receptacle for jewels or gems; a jewel house; jewels or gems, collectively.
n.
Full of gems; bright; glittering like a gem.
n.
The production of a bud or gem.
n.
One of the barrulets placed parallel and closed to each other. Cf. Bars gemel, under Gemel, a.
a.
Of or pertaining to gems.
a.
Bearing or producing gemmules or buds.
a.
Producing buds; reproducing by buds. See Gemmation, 1.
n.
Reproduction by budding; gemmation. See Budding.
a.
Having buds; adorned with gems or jewels.
n.
See Gemmation.
n.
The formation of a new individual, either animal or vegetable, by a process of budding; an asexual method of reproduction; gemmulation; gemmiparity. See Budding.
a.
Of or pertaining to gems or to gemmae; of the nature of, or resembling, gems or gemmae.
travel, tourism, insurance