Pool

Same as term Builders Risks Forms: types of contracts that insure building contractors for damage to property under construction. The completed value form requires a 100% coinsurance ...

Historical record of dividends paid. ...

Provision in the extended coverage endorsement stating that smoke damage is covered when it results from the sudden, unusual, and faulty operation of an on-premises cooking or heating unit, ...

Percentage of confidence in a finding. For example, if an insurance company's total loss reserves should be $10,000,000 in order to attain an 80% confidence level that enough money will be ...

Actuarial equivalent method of calculating the premium rate through the development of the following equation: probability that the event insured against occurs x face amount of policy x ...

Physical damage to one's person. The purpose of liability (casualty) insurance is to cover bodily injury to a third party resulting from the negligent or intentional acts and omissions of ...

Pool of private insurers that provide initial flood insurance in cooperation with the U.S. Department of Housing and Urban Development (HUD). In 1978, the association was superseded by the ...

Property, liability, or health coverage that takes precedence when more than one policy covers the same loss. In order to avoid OVER INSURANCE, or paying an insured more than the actual ...

Line of insurance, which included coverages that are designed to protect the insured against a loss of income resulting from or sickness. ...

The insurance company will replace it with a model as close to it as possible in the current retail market. ...

A group plan in one that is sponsored by an employer, association or other organization, as opposed to an individual or family. With the employee given the option to include other family ...

You need an insurance policy that is tailored in your needs in mind. Take liability for example. Guest passenger liability helps protect you bodily injury to a passenger on your motorcycle ...

If you live in an Earthquake zone. Yes! Typically most homeowners insurance insurance coverage would apply as rider. If it is not available under your homeowners insurance you will need to ...

Every person has a different idea of what financial security means. If so, should happen to you, how much money would you family need? You should consider: - Your current debt. ...

Owning a condominium puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for ...

Our agents have a wide range of coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you in tailoring a ...