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Einstein’s definition of insanity is trying the same thing over and over again and expecting a different result.After losing two rounds in Appellate Court, Mayeda insanely hopes that the higher court will fall for her Trumpesque defense of lies and obfuscations and will dismiss the case before it is tried in front of a jury of twelve honest people.Meanwhile Marcia Mayeda has taken a different tact.She has berated her shelter managers for not killing enough.(ATA) amount at risk amount subject analytic risk modeling method animal mortality insurance anniversary date anniversary rating date annual aggregate deductible annual statement annuitant annuity annuity certain annuity due answer anti-concurrent causation (ACC) language anti-concurrent cause (ACC) provision anti-indemnity statute anti-stacking provisions antitheft device antitrust liability apparent agency appeal application application of retention apportionment appraisal clause appraisers errors and omissions approval "A" rates arbitration arbitration clause architects and engineers (A&E) liability coverage asbestos asbestos abatement asbestos-containing material (ACM) asbestos program manager assessment company (society or insurer) asset allocation asset class asset risk asset share value assigned risk plan assignee assignment associate Associated General Contractors of America (AGC) Associate in Automation Management (AAM) Associate in Claims (AIC) Associate in Fidelity and Surety Bonding (AFSB) Associate in Information Technology (AIT) Associate in Insurance Accounting and Finance (AIAF) Associate in Insurance Services (AIS) Associate in Loss Control Management (ALCM) Associate in Management (AIM) Associate in Marine Insurance Management (AMIM) Associate in Personal Insurance (API) Associate in Premium Auditing (APA) Associate in Reinsurance (ARe) Associate in Research and Planning (ARP) Associate in Risk Management (ARM) Associate in Surplus Lines Insurance (ASLI) Associate in Underwriting (AU) Associateship of the Chartered Insurance Institute (ACII) associational discrimination association captive association group Association of Trial Lawyers of America (ATLA) association professional liability insurance assume assumed liability assumed premiums assumed reinsurance assumption assumption endorsement assumption of liability agreement assumption of liability endorsement (ALE) assumption of risk assumption of risk doctrine assurance as their interests may appear (ATIMA) at-risk construction management attachment basis attachment point attained age attorney/client communication attorney work product attractive nuisance doctrine A201 construction contract auction rate security (ARS) audit authorized nonadmitted reinsurer auto auto coverage symbols auto loan/lease gap coverage automatic additional insured endorsement automatic increase in insurance provision automatic insureds automatic premium loan automatic treaty automobile Automobile Claim Law Associate (ACLA) Automobile Claim Law Specialist (ACLS) automobile liability excess indemnity automobile liability insurance automobile physical damage insurance autonomous vehicle average basis average rate average severity average weekly wage (AWW) aviation accident insurance aviation hazard avoidance awareness provisions A B C D E F G H I J K L M N O P Q R S T U V W X Y Z backdated liability insurance back pay back-to-back deductible bad faith bailee bailee coverage balance balance billing bancassurance bank bank assurance bankers professional liability (BPL) insurance (BPLI) bankruptcy condition ban-the-box legislation bareboat charter bare walls coverage barratry Basel Committee on Banking Supervision base premium basic causes of loss form (ISO) basic extended reporting period (BERP) basic limits basic premium basic premium factor basic rate basis point(s) basis risk basket aggregate basket deductible basket retention batch clause beauty contest below-target-risk (BTR) BEN benchmarking bench-scale tests bench trial beneficiary benefits benefits payable exclusion best available control measures (BACM) best demonstrated available technology (BDAT) Best’s Capital Adequacy Ratio (BCAR) Best's rating betterment clause bid bond bid deducts bifurcation bikini deductible bilateral extended reporting period provision bill of lading binder bingo card program bingo stamp biological magnification biomechanical analysis bioremediation Bipartisan Campaign Reform Act of 2002 Black Lung Benefits Act of 1973 blackmail settlement clause blackout period blanket additional insured endorsement blanket contractual liability insurance blanket fidelity bond blanket group boiler and machinery coverage blanket limit blanket medical expense blanket policy blanket position bond blended finite risk blended risk blockchain technology blowout and cratering blowout prevention warranty Blue Book blue plan board committees boards and bureaus boatowners policy bobtail bobtail liability bodily injury (BI) bodily injury by accident limit (workers compensation) bodily injury by disease, each employee (workers compensation) bodily injury by disease—policy limit (workers compensation) boiler and machinery (BM) insurance boilerplate bond bonding book value boom coverage bordereau borderline risk Bornhuetter-Ferguson technique borrowed servant rule boutique law firm branch profits tax brand equity brand rehabilitation brands and labels endorsement breach breach of an employment contract breach of contract breach of warranty clause break point British business interruption coverage broadcasters liability broad causes of loss form (ISO) broad evidence rule broad form comprehensive general liability (BFCGL) endorsement broad form contractual liability insurance broad form drive other car coverage broad form hold harmless clause broad form named insured endorsement broad form pollution exclusion broad form property damage (BFPD) broker brokerage department brokerage market brother-sister relationship brownfield Brownian motion browse-wrap agreement buffer layer builders risk policy building and personal property coverage form (ISO) building codes effectiveness grading schedule (BCEGS) building construction categories (ISO) building information modeling (BIM) building ordinance coverage building rate bulk reserves bullying bumbershoot burden of proof burglary burning cost business auto policy (BAP) business continuity management (BCM) business continuity plan (BCP) business income coverage business income from dependent properties business income worksheet business interruption coverage business interruption worksheet business judgment rule business legal expense insurance businessowners policy (BOP) business risk business use class "but for" cause but for evidentiary standard (in employment discrimination cases) "but for" test buyback deductible buyers' market buyout settlement clause buy/sell agreement bystander claim A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Cable Communications Policy Act (CPPA) of 1984 calendar year experience cancelable cancel and rewrite cancellation candidate analysis canine liability exclusion cap capacity capital capital adequacy capital allocation Capital Asset Pricing Model (CAPM) capital at risk capital attribution capital markets capital stock capital stock company capital structure capital sum capitated fee captain of the ship doctrine captive captive agents captive facility Captive Insurance Companies Association (CICA) captive management company captive value added (CVA) care, custody, or control (CCC) cargo insurance Carmack Amendment Carriage of Goods by Sea Act (COGSA) of 1936 carrier carryover provision car sharing caselaw case management case reserve case reserves cash flow plans cash balance pension plans cash before cover cash call cash flow program cash flow return on investments (CFROI) cash flow underwriting cash refund annuity cash surrender value Casualty Claim Law Associate (CCLA) Casualty Claim Law Specialist (CCLS) casualty insurance catastrophe catastrophe bond catastrophe equity put catastrophe plan catastrophe policy catastrophe reinsurance catastrophe reserves catastrophic loss cat bond lite Category 3 water causes of loss causes of loss forms (ISO) cede ceded premiums cedent ceding commission ceding company cell captive Centers for Medicare and Medicaid Services (CMS) central collection point central tendency certificate holder certificate of compliance certificate of insurance certificate of reinsurance certified act of terrorism Certified Risk Manager (CRM) cession cession number cession statement cestui que vie channeling chaplain or priest malpractice charter Chartered Insurance Institute (CII) Chartered Life Underwriter (CLU) Chartered Property Casualty Underwriter (CPCU) charterers legal liability coverage chemical, biological, radiological, nuclear (CBRN) weapon Chemnet chief risk officer (CRO) Children's Online Privacy Protection Act (COPPA) of 1998 choice no-fault chronic toxicity chronological stabilization plans circumstance Civil Rights Act of 1991 claim claimant claim expense claims adjuster claims administrator claims audit claims cooperation clause claims leakage (CL) claims-made and reported policy claims-made and reported provision claims-made basis claims-made coverage trigger claims-made multiplier claims-made policy claims-made reinsurance claims-paid policy claims reserve clash cover class class action Class Action Fairness Act of 2005 classification classification limitation classified insurance class of business class I area Class 1 insureds class rating Class 2 insureds clause clawback provision Clean Air Act (CAA) of 1970 clean closure cleanup fund Clean Water Act (CWA) of 1972 clearance click-wrap agreement client company client employer climate change risk clinical patterns closed-loop recycling cloud computing coded excess codefendant coding coemployer coemployment coincidental excess coverage coinsurance hammer clause coinsurance provision coinsurer collapse additional coverage collapse: homeowners policy collar collateral collateral agreement collateral documents collateral estoppel collateralization of cash flow programs collateral source rule collateral value insurance collection commission collection fee collision damage waiver (CDW) collision insurance combination plan reinsurance combination policy combined additional coverage (CAC) combined ratio combined single limits comment period commercial appropriation commercial auto insurance coverage forms commercial crime policy commercial general liability (CGL) policy commercial insurer or reinsurer commercial lines Commercial Lines Manual (CLM) commercial multiple peril (CMP) policy commercial output policy (COP) commercial package policy commercial property conditions form (ISO) commercial property coverage forms (ISO) commercial property policy commercial property program commercial risks commercial waste management facility commission commissioner commissioners standard ordinary 1958 mortality table commissions of selling agents coverage Committee of Sponsoring Organizations (COSO) common accident common carrier common disaster common interest doctrine common law common law defenses common law liability common policy conditions communicable disease communicable diseases exclusion community property community rating Community Rating System (CRS) commutation commutation agreement commutation clause commutation rights comparative negligence compensable Compensated Intercorporate Hauling (CIH) compensating balance plan compensatory damages competitive bidding competitive state funds complaint completed operations complete retention Compliance, Safety, Accountability (CSA) score composite rating comprehensive auto coverage comprehensive auto liability (CAL) comprehensive boiler and machinery coverage Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) of 1980 comprehensive general liability (CGL) policy comprehensive personal liability comprehensive 3-D policy compulsory insurance compulsory insurance requirements (international insurance) computer crime insurance computer fraud coverage form computer software design errors and omissions computer virus computer worm concealment concurrency concurrent causation concurrent cause concurrent insurance conditional binding receipt conditionally renewable conditional payment clause conditional vesting conditions condominium association coverage form (ISO) confidence intervals (levels) confiscation, expropriation, nationalization (CEN), and deprivation (CEND) insurance conflict of laws connected vehicle Consensus DOCS consent judgment consent to settlement clause consequential bodily injury suits consequential damages consequential loss conservator consideration consolidated insurance program (CIP) Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 consolidation constructibility review construction ban construction categories construction defect construction management (CM) construction management agency construction management at-risk construction management professional liability insurance Construction Risk and Insurance Specialist (CRIS®) constructive discharge constructive notice constructive total loss contents rate contestable clause contingency fee contingency plan contingency planning contingency reserve contingent annuitant contingent beneficiary contingent business interruption insurance contingent commission contingent extra expense insurance contingent insurance contingent liability contingent liability from operation of building codes continuance continuation of coverage in bankruptcy provision continuing undertaking rule continuous contract continuous injury trigger continuous treatment rule contract contract attorney contract bond contract carrier contract certainty contract of adhesion contractor controlled insurance program (CCIP) contractors all risks (CAR) insurance contractors environmental liability (CEL) insurance contractor's limitation endorsement contractors professional liability insurance contractors rework coverage contract ratification indemnity contract repudiation indemnity contractual liability contractual liability insurance contractual risk transfer contra proferentem rule contributing excess contribution contribution by equal shares contribution by limits contributory negligence controlled foreign corporation (CFC) controlled insurance program (CIP) controlled master insurance program controlled unrelated business controlling Controlling the Assault of Non-Solicited Pornography and Marketing (CAN-SPAM) Act of 2003 control technique guidelines (CTG) conventional subrogation convention blank convention statement convergence convergence (of the capital and insurance markets) converted losses convertible Cooke ratio cooperation clause cooperative controlled insurance program (CO-CIP) cooperative insurance Coordinated Advertising, Rate and Form Review Authority (CARFRA) coordination of coverage COPE core capital corporate counsel corporate governance corporate override agreement corporate reimbursement coverage corporation correlation/uncorrelation corridor deductible corridor self-insured retention cost and freight (C and F) cost, insurance, and freight (CIF) cost of debt cost of hire endorsement cost of risk cost of suit coverage cost of well control co-surety counseling liability counsel selection provision counterclaim counterparty countersignature coupon interest course of employment courthouse steps settlement court reporter covariance covenant not to execute covenant not to sue covenants, conditions, and restrictions (CC&R) cover coverage coverage form coverage trigger covered auto designation symbols cover note cradle-to-grave or manifest system credentialing claims credentialing committee credentialing liability credibility credit carry-forward credit default swap credit for reinsurance credit insurance credit life insurance credit report credit risk credit wrap crisis crisis management approach crisis management coverage crisis management plan criteria pollutant critical recommendation criticism crop-hail insurance cross-complainant cross-complaint cross-defendant cross-indemnity agreement cross-liability coverage cross-liability endorsement cross purchase crowdfunding Cumis counsel cumulative collusive excess cover cumulative injury current disbursement current service benefit custom bond customer's auto cutoff cut through clause cut through endorsement cyber and privacy insurance cyber bullying cyberextortion cyberextortion coverage cyber-physical attack cyber security technology cyberspace liability A B C D E F G H I J K L M N O P Q R S T U V W X Y Z daily reports damages "damages reduction" provision "damage to premises rented to you" damage to rented premises liability coverage--garages endorsement data breach notification laws data processing coverage data processors errors and omissions coverage date of issue deadheading dealers driveaway collision death benefit Death on the High Seas Act (DOHSA) of 1920 death rate debit agent debit life insurance debit system debris removal decennial liability declarations declaratory judgment declassification declination deductible deductible, annual aggregate deductible plan deductible reduction incentive provisions deemer period deemers defamation default default insurance defeasance defendant Defense Base Act defense clause defense costs endorsements defense-only coverage defense within limits deferred acquisition cost (DAC) deferred group annuity deferred payment merchandise deferred premiums deferred tax asset deficit carry-forward or carry-back defined benefit plan defined contribution plan delay clause delayed completion coverage delay in start-up (DSU) insurance delivery demand surge demand trigger coverage demolition coverage demurrage demurrer demutualization denial of service (Do S) attack denial of tenure claims Department of Labor (DOL) Department of Transportation (DOT) dependent properties time element coverage deposit deposit accounting deposition deposit policy deposit premium depreciation deprivation derivative derivative contract derivative investigation coverage derivative lawsuits designated construction project general aggregate limit endorsement designated contractor designated employees designated insured endorsement designated operations exclusion endorsement designated pollutant designated workplaces exclusion endorsement design-build professional liability insurance designer bugs design liability destroyed medical waste destruction and removal efficiency (DRE) development factor deviation difference-in-conditions (DIC) insurance difference-in-limits (DIL) clause difference-in-limits (DIL) policy Digital Flood Insurance Rate Map (DFIRM) diminution in value (auto) diminution in value (property) direct action direct damage direct damage coverage direct discharger direct filtration Directive on Data Protection direct loss direct market directors and officers (D&O) liability insurance direct premiums direct procurement direct response marketing direct selling system (direct marketing) direct threat direct writer direct writing captive direct writing carrier direct written premium dirty bomb disability disability benefit disability income insurance disappearing deductible disaster disaster recovery plan disciplinary proceeding expense coverage disclaimer disclosure dollar loss (DDL) discontinuance discounted cash flow (DCF) analysis discount rate discovery discovery cover discovery period discovery provision discovery rule discrimination disease loading disintermediation risk dismemberment dismissal disparagement of goods disparate impact discrimination disparate treatment discrimination dispersion distributions distribution system diversification diversification credit divided risk endorsement dividend accumulation dividend addition dividend options dividends divisible contract clause docket control system Dodd-Frank Act domestic insurer domestic terrorism domicile domicile manager dominant cause domino theory dose response dose-response assessment dose-response relationship double excess coverage double indemnity double protection downsizing exclusion draft authority dramshop liability "D" ratio drilling fluid drilling mud drilling rig drive other car endorsement Driver's Privacy Protection Act (DPPA) of 1994 drop down provision dropped medical malpractice claims druggist liability insurance dry pipe sprinkler system dual agency dual capacity due diligence duplication duty to defend duty to pay dwelling dwelling property coverage forms dynamic financial analysis (DFA) dynamic risk A B C D E F G H I J K L M N O P Q R S T U V W X Y Z earned premium earned reinsurance premium earned surplus earnings before interest, dividends, depreciation, and amortization (EBIDDA) earnings guidance earnings insurance earth movement or earthquake exclusion earthquake coverage easement easement appurtenant easement by prescription easement, public ecological risk assessment economic capital economic cost of ruin (ECOR) economic damages Economic Loss Doctrine economic or use value economic value added (EVA) educators legal liability (ELL) insurance EEO-1 report effective date effective tax rate efficacy insurance efficient cause 831(b) captive election election window elective benefits electrical damage or injury exclusion electronic commerce (E-commerce) Electronic Communications Privacy Act (ECPA) of 1986 electronic contract (E-contract) electronic data liability electronic data processing (EDP) coverage electronic funds transfer (EFT) system coverage electronic products errors and omissions insurance electronic record electronic signature elevator insurance eligibility period elimination period embedded value e-media wrongful act (cybercoverage) emergency emergency medical technician (EMT) and paramedics professional liability emergency response plan emergency response values employed lawyers professional liability insurance employee as lessor endorsement employee assistance program (EAP) employee benefit programs employee benefits liability employee dishonesty coverage employee hired autos endorsement employee leasing employee leasing company employee pension benefit plans Employee Retirement Income Security Act liability Employee Retirement Income Security Act (ERISA) of 1974 Employee Retirement Income Security Act Section 510 Employee Retirement Income Security Act Section 404(c) Employee Retirement Income Security Act stock drop litigation Employee Retirement Income Security Act "tag-along" claims employees as additional insureds employees as insureds endorsement employee stock ownership plan (ESOP) employee stock purchase plan employee welfare benefit plans employers excess indemnity insurance employers liability coverage employers responsibility coverage Employment Arbitration Agreement employment-at-will doctrine employment practices liability insurance (EPLI) employment-related practices liability (ERPL) policy employment risk encapsulation endangerment assessment endemic disease coverage endorsement endowment insurance energy release theory Energy Risk and Insurance Specialist (ERIS™) enforceable requirements enforcement decision document (EDD) engaged in trade or business (ETB) engagement letter engineering engineering insurance Engineers Joint Contracts Documents Committee (EJCDC) ensuing loss clause enterprise risk management (ERM) entire contract clause entity coverage entity securities coverage environmental assessment environmental audit environmental impact statement environmental impairment liability (EIL) insurance environmental liability buyout Environmental Monitoring and Assessment Program (EMAP) data environmental stop loss insurance Equal Employment Opportunity Commission (EEOC) Equal Pay Act of 1963 equipment breakdown insurance equipment floater equitable estoppel equitable subrogation equity stripping erection all risks (EAR) insurance ergonomics Erie Doctrine error or omission in reporting endorsement errors and omissions (E&O) clause errors and omissions (E&O) insurance escape provision essential functions estate plan estimated premium estoppel event event insurance event risk event triggered financings evidence evidence-based medicine (EBM) evidence of insurability exacerbation examination under oath (EUO) exception (to exclusion) excess excess ad damnum letter excess and surplus (E&S) lines insurance excess cover excess insurance excess interest excessive fee claims excess liability "follow form" policy excess liability policy excess limit excess lines broker excess loss premium (ELP) factor excess of loss excess of loss ratio reinsurance excess of loss reinsurance excess per risk reinsurance excess point excess workers compensation insurance exchange transfer embargo indemnity exclusion exclusive agency system exclusive remedy exculpatory clause executive officer executor exemplary damages exempt motor carrier ex gratia payment exhibitor insurance ex-medical coverage ex parte hearings expatriate expected loss expected morbidity expected mortality expected or intended expected reinsurer deficit (ERD) expediting expense expediting expense coverage expense expense allowance expense constant expense load expense ratio expense reserve experience experience account experience modification experience modifier experience rating experience refund experimental medical procedures exclusion expert expiration expiration file expiration notice exploit (cybercoverage) exportability of premium/risk export and/or import embargo indemnity exporter's packages exposure exposure base exposure-in-residence theory exposure rating exposure survey express authority expropriation extended coverage (EC) endorsement extended discovery period extended discovery provision extended period of indemnity endorsement or option extended reporting period (ERP) extended term insurance exterior insulation and finish systems (EIFS) extortion coverage form G extortion expenses (cybercoverage) extracontractual damages extracontractual obligations (ECO) extra expense coverage extra expense from dependent properties extra percentage tables extra premium extraterritorial coverage extremely hazardous substances "extrinsic facts" test A B C D E F G H I J K L M N O P Q R S T U V W X Y Z face amount facility emergency coordinator factory firms facultative automatic facultative obligatory treaty facultative reinsurance failure to collect contributions exclusion failure to fund in accordance with ERISA exclusion failure to insure exclusion Fair Access to Insurance Requirements (FAIR) plans Fair Chance Act Fair Credit Reporting Act (FCRA) of 1970 Fair Labor Standards Act (FLSA) of 1938 fair rental value (FRV) coverage faithful performance coverage false arrest false pretense, trick, and device Family and Medical Leave Act (FMLA) of 1993 family exclusion farmers personal liability farmowners insurance farm umbrella policy FAS 5 FAS 115 FAS 113 f-cubed litigation feasibility study Federal Arbitration Act (FAA) federal crop insurance Federal Emergency Management Agency (FEMA) Federal Employers Liability Act (FELA) of 1908 federal excise tax (FET) Federal Home Loan Bank (FHLB) Federal Highway Administration (FHWA) Federal Insurance Contribution Act (FICA) of 1935 Federal Liability Risk Retention Act Federal Mine Health and Safety Act (FMHSA) of 1969 Federal Motor Carrier Safety Administration (FMCSA) Federal Motor Carrier Safety Regulations (FMCSR) Federal Savings and Loan Insurance Corporation (FSLIC) fee disputes exclusion fee-for-service fees fee schedule fellow employee coverage fellow employee exclusion fellow employee suits coverage Fellow in Risk Management (FRM) Fellowship of the Chartered Insurance Institute (FCII) fidelity bond fiduciary fiduciary bond fiduciary liability fiduciary liability endorsement fiduciary liability "follow-on" claims field service advice (FSA) filed forms financed insurance Financial Accounting Standards Board (FASB) Financial Anti-Terrorism Act (FATA or PATRIOT Act) of 2001 financial capacity financial consolidation financial disclosure claims financial guarantee insurance financial institution bond Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) financial interest clause (FINC) financial interest coverage financial modeling financial quota share financial reinsurance financial responsibility financial responsibility law financial restatement financial restatement exclusion financial risk management Financial Stability Board (FSB) financial statement financial transformation (FT) fine arts coverage finite risk insurance fire brigade fire department service charge coverage fire legal liability coverage fire resistive construction (ISO) firewall fire wall FIRMette first advised clause "first bite" first class mail coverage first dollar coverage first dollar defense coverage first dollar defense, umbrella first named insured first-party insurance first surplus reinsurance treaty fixed-cost insurance flat flat cancellation flat commission flat dividend flat rate fleet fleet automatic, auto fleet of companies fleet policy fleet policy, aircraft fleet policy, auto floater policy floating excess policy flood coverage flood exclusion flood insurance rate map (FIRM) floor follow form follow form professional liability endorsement following reinsurer following the fortunes forced placed force majeure force majeure insurance Foreign Account Tax Compliance Act (FATCA) foreign commerce Foreign Corrupt Practices Act (FCPA) of 1977 foreign-cubed litigation foreign currency controls foreign insurer foreign liability coverage foreign title equivalent coverage provision foreign voluntary workers compensation (FVWC) coverage forgery or alteration coverage "for-hire" motor carrier form formularies fortuitous event forum forum selection clause forum shopping forward forward contract "four-corners" test 401(k) fee claims 401(k) plan fractional premium fracture types frame construction (ISO) franchise deductible franchise inflation clause franchise insurance fraternal benefit society fraud Fraud Claim Law Associate (FCLA) Fraud Claim Law Specialist (FCLS) free alongside (FAS) free of capture and seizure (FC&S) warranty free of particular average (American conditions) (FPAAC) free of particular average (English conditions) (FPAEC) free of particular average (FPA) free on board (FOB) free on board destination freight broker freight forwarder frequency friable asbestos friendly fire front company fronted captive fronting front pay Fujita scale full coverage full preliminary term reserve valuation full prior acts coverage full-timers coverage fully insured status fully paid policy functional capacity evaluation (FCE) functional job description functional replacement cost functional replacement cost provision or endorsement fundamental risk fund control agreement funded funded covers funded pension plan funded retention funded self-insurance fund states coverage funds withheld furriers block policy furriers customers insurance future futures contract A B C D E F G H I J K L M N O P Q R S T U V W X Y Z gap financing garagekeepers coverage/garagekeepers legal liability garagekeepers extra legal liability garage liability insurance garage policy garment contractors floater General Adjustment Bureau (GAB) general agency system general aggregate limit general average losses general counsel general damages general duty clause general employer general exclusions general inclusions general indemnity clause general liability insurance generally accepted accounting principles (GAAP) general maritime law general supervision Genetic Information Nondiscrimination Act (GINA) of 2008 geographical (coverage territory) limitations glass ceiling glass insurance global insurance program glovebag good faith settlement "good guy" letter good local standard Good Samaritan statutes good student discount governing classification grace period graded commission graduated drivers licenses Gramm-Leach-Bliley (GLB) Act of 1999 green building greenmail exclusion green upgrades coverage gross cessation gross combination weight (GCW) gross domestic product (GDP) gross earnings coverage gross loss reserves gross negligence gross premium gross profits insurance gross receipts or mileage, auto gross vehicle weight (GVW) gross weight gross written premium (GWP) ground coverage ground up loss group annuity group captive group certificate group contract group credit insurance group insurance group of companies group-owned captive group practice health maintenance organization group property and liability insurance group self-insurance guaranteed auto protection (GAP) guaranteed cost guaranteed cost discount (GCD) guaranteed cost insurance guaranteed cost premium guaranteed insurability guaranteed investment contract (GIC) guaranteed renewable guaranteed replacement cost guaranty agreement guaranty fund guardian ad litem Guertin laws guests' property, premises guests' property, safe deposit box guest statutes, auto guest voluntary settlement, aircraft A B C D E F G H I J K L M N O P Q R S T U V W X Y Z hacktivist hail insurance hammer clause hangar keepers liability hard market Harper Group v.Commissioner hazard hazard class pricing hazardous/enumerated procedures exclusion hazardous ranking system (HRS) hazardous waste hazard risk HAZMAT healing plateau healthcare purchasers liability insurance healthcare reimbursement plan Health Insurance Portability and Accountability Act (HIPAA) of 1996 health maintenance organization (HMO) hedge hedge fund hedge instrument hedging transaction highly protected risk (HPR) property high-risk community Highway Loss Data Institute (HLDI) hired automobile historical cost hold harmless agreement holding power formula hold order holistic risk management homebuilder wrap-up home equity insurance home foreign home office homeowners modified form 8 (HO 8) homeowners policy homeowners policy basic form 1 (HO 1) homeowners policy broad form 2 (HO 2) homeowners policy comprehensive form 5 (HO 5) homeowners policy contents broad form 4 (HO 4) homeowners policy special form 3 (HO 3) homeowners policy unit owners form 6 (HO 6) honorable engagement or undertaking horizontal exhaustion rule hospital income insurance hospital medicine hospital professional liability (HPL) insurance hostile fire hostile work environment sexual harassment host liquor liability hotline Household Goods Transportation Act of 1980 HR-10 plan hull coverage hull (physical damage) coverages, aircraft Humana v.She recently continued her practice of circulating a report to each of her managers detailing the pets that had been at her shelters over 60 days.The implied message to the managers is that they should kill all these dogs as soon as possible.
We would be remiss if we did not also mention that Barnette has directed her officers to stop impounding tethered animals and strays – so that her numbers look better.Commissioner seasonal risk secondary beneficiary secondary classification—special industry class secondary dependent properties secondary payer second surplus reinsurance Section 501(c) of the U. Internal Revenue Code Securities Act of 1933 securities class action claims securities deposited with others coverage form J Securities Exchange Act of 1934 securities insuring agreement securities valuation reserve securitization securitization of risk security holder exclusion security requirements seedsmen's errors and omissions liability insurance segregated cell captive (SCC) segregation selected tender selection self-contained policy self-insurance self-insurance pool self-insured retention (SIR) self-insurer's bond self-procurement taxes self rating selling price clause or endorsement Senior Claim Law Associate (SCLA) separate account series business unit (SBU) service fulfillment insurance servicing carrier servicing contractors rider setoff settlement lag settlement options settlement programs settlor coverage severability of exclusions severability of interests clause severability provision in directors and officers applications several liability severance pay severance pay exception wording severity sexual abuse exclusion sexual harassment sexual orientation discrimination share reinsurance share repurchases Sharpe ratio shortfall risk short-rate cancellation shrinking limits defense provision shrink-wrap agreement Side A coverage Side A-only coverage Side B coverage sidecar reinsurance Side C coverage sidetrack agreement signaling capital significant deviation silica silo factor simulation risk modeling method (often called Monte Carlo method) single entity coverage single-entry multiple company interface (SEMCI) single interest insurance single-owner captive single-parent captive single premium insurance single state registration system (SSRS) sinkhole collapse sistership liability exclusion size class slabbed slander sleep insurance sliding scale sliding scale commission sliding scale dividend slip small quantity generator smooth limits, aircraft soft costs coverage soft market soft target solicitor solvency margin solvency ratio sophisticated insured source revelation provisions spamming Spearin Doctrine special acceptance special causes of loss form (ISO) special crime insurance special damages special employer special flood hazard area (SFHA) special investigative unit (SIU) special litigation committee (SLC) special mobile equipment special or specialty risks special perils special personal auto policy (SPAP) special purpose vehicle (SPV) specialty risks special waiver specifications specific excess insurance specific limits specific loss limit specific rating specified causes of loss coverage specified holder specified perils coverage speculative risk speed to market split dollar plans split limits sponsor sponsored captive spousal coverage spousal coverage extension spread loss reinsurance spread of risk spread sectors sprinkler leakage coverage spyware SR-22 stabilization reserve stacking staff model health maintenance organization staff privileges staff privileges liability stair stepping stamp duty stand-alone excess policy stand-alone terrorism coverage standard deviation standard exceptions standard fire policy (SFP) jurisdictions standard form or standard policy Standard Industrial Classification (SIC) standard premium standard property policy (ISO) stare decisis stat card state average weekly wage (SAWW) State Emergency Response Commission (SERC) state funds State Implementation Plans (SIP) statement blank static risk modeling statistical codes statistical method statute of frauds statute of limitations statute of repose statutory accounting principles (SAP) statutory capital statutory coverages statutory inspections statutory insurance statutory law stay of proceedings stevedores legal liability coverage stevedoring stipulation stochastic dominance stock captive stock company stock option stock option claims stop gap endorsement stop loss stop-loss reinsurance (SLR) storekeepers broad form storekeepers burglary and robbery policy storm surge Stowers Doctrine straight life policy strategic risk strategic risk management strict liability strike coverage strike price strikes, riots, and civil commotions (SR&CC) warranty strike-through clause structural risk modeling methods structured finance structured settlement suability factor subbroker subcontractor default insurance subcontractor exception subguard insurance subject business subjective symptoms subject of insurance subject policies subject premium sublimit submission subordinated debenture Subpart F income subpoena subpoena duces tecum subprime loans subrogation subrogation provision subrogation waiver subsidence substandard substitute physician coverage endorsement "sudden and accidental" sue and labor clause summary judgment summons sump pump Superfund superintendent of insurance superseded surety rider supervision coverage supplemental extended reporting period (SERP) supplementary employee retirement plan (SERP) supplementary payments surety surety bond surplus surplus debenture surplus line surplus lines broker surplus lines insurance surplus notes surplus reinsurance surplus relief surplus share surrender survey survival action suspension of coverage endorsement swap swaption swing plans syndicate systemically important financial institution (SIFI) systemic discrimination system safety approach systems performance insurance A B C D E F G H I J K L M N O P Q R S T U V W X Y Z tacit renewal tail tail coverage tail value at risk (Tail Va R) or tail conditional expectation (TCE) takaful targeted enterprise risk insurance (TERI) targeted tender target risk tariff tax acceleration tax factor tax harmonization tax interruption coverage tax multiplier tax opinion insurance Tax Reform Act (TRA) of 1984 Technical and Miscellaneous Revenue Act (TAMRA) of 1988 technique of operations review (TOR) system technology errors and omissions insurance (tech E&O) telecommuting telemedicine Telephone Consumer Protection Act (TCPA) of 1991 temporary partial disability temporary storage location temporary total disability tenants and neighbors liability tender of defense tender offer defense expense 10/10 Rule terminal coverage terminal operator termination term life insurance terrorism terrorism endorsement terrorism insurance Terrorism Risk Insurance Act (TRIA) of 2002 Terrorism Risk Insurance Extension Act (TRIEA) of 2005 Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA 2007) Terrorism Risk Insurance Program Reauthorization Act of 2015 (TRIPRA 2015) tertiary beneficiary testing coverage test modifier that particular part theft, disappearance, and destruction of money and securities coverage form C thermal pollution third country national (TCN) third party third-party administrator (TPA) third-party beneficiary principle third-party claims third-party employment practices liability coverage third-party liability coverage third-party lien third-party-over action third-party risk threshold threshold level threshold limit value (TLV) tie-in endorsements time element insurance time element loss time series analysis time value of money timing risk Title VII of the Civil Rights Act of 1964 tolling a statute of limitations tontine tool and die floater tort tortfeasor tort threshold total disability total insurable value (TIV) total insured value provision total pollution exclusion Toxic Substances Control Act (TSCA) of 1976 toxic tort tradable risk trade disruption insurance trade dress trade libel trading loss coverage trailer interchange insurance tranche transfer of risk transfer pricing transfer risk pricing transit coverage transitional duties transportation network company (TNC) transportation expenses travel agents errors and omissions insurance travel insurance treaty treaty reinsurance trend analysis trend factor trespasser trial court trip lease triple excess coverage triple trigger theory trip permit trip transit insurance Trojan horse truckers downtime insurance truckers policy truckload (TL) trust agreement trust department errors and omissions coverage trustee trust fund T3 Lloyd's form turnkey operation twisting two-factor authentication A B C D E F G H I J K L M N O P Q R S T U V W X Y Z uberrimae fidei ultimate loss ultimate net loss ultra vires acts umbrella liability policy unaffiliated business unallocated benefit unallocated loss adjustment expense (ULAE) unauthorized insurer unbundling unconditional settlement clause unconscionable unconscious bias underground property damage underinsurance underinsured motorists (UIM) coverage underlyers underlying coverage underlying interest underlying premium underwriter underwriting underwriting agency underwriting capacity underwriting cash flow underwriting class underwriting cycle underwriting expense underwriting guidelines underwriting manager underwriting member underwriting period underwriting profit underwriting risk underwriting year experience undue familiarity undue hardship unearned premium (UEP) unearned premium reserve (UPR) unearned reinsurance premium unfunded retention unfunded self-insurance Unified Carrier Registration Agreement (UCRA) Uniformed Services Employment and Reemployment Rights Act (USERRA) of 1994 uniform resource locator (URL) Uniform Task Based Management System (UTBMS) unilateral contract unilateral extended reporting period provision unimpaired surplus uninsured motorists (UM) coverage unit statistical card universal life insurance unnamed pilot exclusion unoccupied unplanned retention unrelated business unrelated business income tax (UBIT) unrelated risk unreported claims unseaworthiness unusual expenses upset coverage use and occupancy insurance U. Longshore and Harbor Workers' Compensation Act usurped power utility service interruption coverage utilization review A B C D E F G H I J K L M N O P Q R S T U V W X Y Z vacancy permit endorsement vacancy provision vacant vacation liability valuable papers and records coverage valuation valuation date value-added services value-at-risk (VAR) value-based care valued business interruption coverage valued coverage valued policy value of risk (VOR) value reporting form values vanishing premium variable annuity variable interest entity (VIE) variable life insurance vendors coverage vendors dual interest coverage vendors endorsement vendors single interest coverage venturi scrubbers venue verbal threshold vermin vertical exhaustion rule vessel in navigation vesting vexatious litigant viatical settlement vicarious liability Video Privacy Protection Act (VPPA) of 1988 vis major vocational rehabilitation void voidable voluntary compensation endorsement voluntary compensation maritime coverage endorsement Voluntary Employees' Beneficiary Association (VEBA) voluntary market Voluntary Protection Program (VPP) voluntary reserve Volunteer Protection Act of 1997 voyage clause A B C D E F G H I J K L M N O P Q R S T U V W X Y Z wage and hour audit wage and hour claims wage and hour indemnity coverage wage and hour insurance coverage endorsement wages, maintenance, and cure waiting period deductible waiver waiver of inventory waiver of premium waiver of recourse endorsement waiver of subrogation warehouse operators legal liability insurance warehouse to warehouse clause warehousing war exclusion WARN Act exclusion warrant warranty war risk clause war risk insurance Warsaw Convention waste load allocation waterborne equipment exclusion water quality-based limitations water quality-based permit water quality standards weapon of mass destruction (WMD) wearable Web hosting website accessibility discrimination wedding insurance weighted average cost of capital (WACC) weighted average loss forecasting welfare and pension plan bond coverage well control insurance wellness program wet methods wharfinger legal liability coverage whistleblower claim whistleblower provision whistleblower statutes white hat hackers whole life insurance wholesale agent wholesale broker wholesale health insurance wholesale insurance wind or hail deductible window plan with average (WA) with average 3 percent (WA 3%) without prejudice with prejudice Worker Adjustment and Retraining Notification (WARN) Act workers compensation workers compensation and employers liability policy workers compensation catastrophe cover Workers' Compensation Claim Law Associate (WCLA) Workers' Compensation Claim Law Specialist (WCLS) work hardening working interest working layer workmanship exclusion work performed exclusion workplace harassment workplace tort workplace violence insurance worldwide insurance program wrap-around policy wrap-around risk financing program wrap-up wrap-up exclusion endorsement writ write Write-Your-Own (WYO) Program "written as such" written premium wrongful act wrongful death claim wrongful deprivation of a career opportunity wrongful discipline wrongful failure to employ wrongful failure to grant tenure or partnership wrongful failure to promote wrongful termination A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z year 2000 (Y2K) exclusion Yellow Book York Antwerp Rules A B C D E F G H I J K L M N O P Q R S T U V W X Y Z zero-beta asset Z-list zone rating zone system A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Copyright © International Risk Management Institute, Inc. It has been a while since I last wrote a blog to accompany the Downey networking list.Commissioner human equivalent dose hurdle rate hybrid hybrid captive hybrid plans hydraulic fracturing (fracking) hydrocarbons A B C D E F G H I J K L M N O P Q R S T U V W X Y Z ice dam identity theft coverage idiopathic injury immediate annuity immediately dangerous to life and health (IDLH) immigration violation coverage endorsement impaired physicians exclusion impaired property impaired risk impairment impairment capital implead implied authority implied warranty improvements and betterments inadequate consideration exclusion inappropriate workplace conduct in camera proceedings Inchmaree clause incidence of ownership incidental malpractice incident reporting provision incontestable clause incorporation doctrine increased cost of construction increased limit factors increased limits table incurred but not enough (IBNE) incurred but not reported (IBNR) losses incurred expense incurred losses incurred loss ratio incurred loss retro indemnification indemnify indemnitee indemnitor indemnity indemnity bond indemnity clause indemnity contract indemnity payments independent adjuster independent agency system independent contractor independent directors policies independently filed form independent medical examination (IME) independent practice association (IPA) index index-based contracts index bureau index clause indexed deductible indexing, indexation indirect damage loss Individual Risk Premium Modification (IRPM) industrial hygiene control industrial insured industrial insured captive insurance company industrial insured group industrial life insurance inflation clause inflation factor inflation guard provision informal retention information page Information Practices Act (SB 1386) of 1977 information security and privacy liability coverage informed consent inherent defects insurance (IDI) inherent vice in-house counsel initial premium initial public offering (IPO) initial public offering laddering claims injunctive relief inland marine coverage innkeepers legal liability in rem endorsement inside adjuster inside directors insider trading insolvency clause inspection bureau inspection fees inspection reports installation floater installment settlement installment tail coverage insurability insurable interest insurance insurance agents errors and omissions insurance commissioner insurance contract insurance department insurance examiner insurance exchange Insurance Information Institute (III) Insurance Institute for Highway Safety (IIHS) insurance line insurance-linked securities (ILS) insurance policy Insurance Regulatory Information System (IRIS) insurance requirements insurance risk insurance risk management insurance risk score insurance risk scoring Insurance Services Office, Inc.(ISO) insurance to value insuratization insured insured contract insured fixed-price cleanup (IFC) insured versus insured exclusion insurer insurer insolvency exclusion insurer-sponsored agency captive insuring agreement integrated disability management (IDM) integrated excess policies integrated project delivery (IPD) integrated risk intellectual property intellectual property defense cost reimbursement insurance intellectual property infringement abatement insurance interchange agreements interest rate risk interim bill interim (permit) status inter-insurance exchange Interjurisdictional Agreement on Workers Compensation (IJA) Interjurisdictional Trucking Agreement (ITA) interlining interlocutory appeal intermediary intermediary clause intermodal Intermodal Surface Transportation Efficiency Act (ISTEA) of 1991 International Fuel Tax Agreement (IFTA) International Registration Plan (IRP) international reverse business Internet of Things (Io T) interpolicy stacking interrelated claims provisions interrogatory interstate commerce Interstate Commerce Act of 1887 Interstate Commerce Commission (ICC) Interstate Commerce Commission Termination Act of 1995 interstate experience rating intrafamily immunity intrapolicy stacking intrastate commerce intrastate experience rating invasion of privacy Investment Company Act of 1940 investment income investment risk invitee irrevocable beneficiary irrevocable letter of credit (ILOC) issued business A B C D E F G H I J K L M N O P Q R S T U V W X Y Z jettison jewelers block insurance job safety analysis (JSA) joint and several liability joint and survivorship annuity joint annuity Joint Commission on Accreditation of Healthcare Organizations (JCAHO) joint defense joint employer joint insurance joint operating agreement (JOA) joint underwriting association (JUA) joint venture joisted masonry construction (ISO) Jones Act (Merchant Marine Act of 1920) judgmental immunity judgment rates jumping juvenile insurance jump process Jumpstart Our Business Startups (JOBS) Act jurisdiction jury waiver provision A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Kenney ratio Keogh Act plan key man insurance kidnap/ransom insurance knock-for-knock indemnity known loss provision known loss rule Kotecki waiver A B C D E F G H I J K L M N O P Q R S T U V W X Y Z labor contractor Lamb-Weston rule lapse lapse ratio laptop exclusion large deductible plan large line capacity laser exclusion last injurious exposure latent defect lateral hire laundry listing law clerk law enforcement officers liability law of large numbers lawyers professional liability coverage layer layering lay-up lay-up warranty LC5-lethal concentration LD50-lethal dose leading lead reinsurer lead umbrella lean construction leasehold interest legal action against insurer legal liability coverage form (ISO) Legal Principles Claim Specialist (LPCS) legal risk lender liability lenders liability coverage lenders loss payable endorsement lessee lessees of safe deposit boxes coverage form I lessor less than truckload (LTL) letter of credit (LOC) leverage liability liability for guests' property, premises coverage form L liability for guests' property, safe deposit box coverage form K liability insurance liability limits Liability Risk Retention Act of 1996 libel liberalization clause license license and permit bond licensed insurer/reinsurer licensee lien life expectancy life insurance trust Life Office Management Association (LOMA) Life Underwriter Training Council (LUTC) Lilly Ledbetter Fair Pay Act of 2009 limit limitation of liability clause limitation of risk limited liability company (LLC) limited losses limited Mexico coverage endorsement limited severability provision limit of insurance limit of liability "limits reduction" provision limits under multiple policy (LUMP) years line line of business line sheet line slip liquidated damages liquidity liquidity ratio liquidity risk liquor law liability (dramshop) litigation litigation hold litigation management little Miller Acts livestock collision livestock coverage form livestock mortality insurance Lloyd's broker Lloyd's central fund Lloyd's managing agent Lloyd's members' agent Lloyd's of London Lloyd's syndicate Lloyd's underwriter loan-backs loan participation coverage locality standard London form (BFPD) London Interbank Offered Rate (LIBOR) longevity swaps Longshore and Harbor Workers' Compensation Act (LHWCA) of 1927 long tail liability long-term disability (LTD) income insurance long-term insurance loss loss adjustment expense (LAE) loss assessment loss carryforward loss conditions loss constant loss control loss control report loss conversion factor (LCF) loss costs loss damage waiver (LDW) loss development loss development factor (LDF) losses incurred losses in excess of policy limits loss event loss forecasting loss limit loss limitation loss loading (multiplier) loss mitigation underwriting (LMU) loss of consortium suits loss of income coverage loss payable clause loss payee loss payout curve loss pick loss portfolio agreements loss portfolio transfer (LPT) loss prevention loss rating loss ratio loss ratio coverage loss reduction loss report loss reserve loss reserve stability loss run loss sensitive plans loss trending loss triangle lost policy release lowest achievable emission rate low speed vehicle (LSV) A B C D E F G H I J K L M N O P Q R S T U V W X Y Z maintenance, cure, and wages maintenance wrap-up major life activity major medical insurance major shareholder exclusion malicious code malicious prosecution malpractice malpractice insurance malware managed care managed care coverage endorsement managed care liability insurance managed care organization (MCO) management advisory services management liability insurance Management Liability Insurance Specialist (MLIS®) managing general agent (MGA) managing general underwriter (MGU) mandatory arbitration provision mandatory securities valuation reserve manifestation theory manifest system manual premium manual rates manufacturers and contractors (M&C) insurance manufacturers output policy (MOP) manufacturers penalty insurance manufacturer's selling price endorsement manuscript certificate of insurance manuscript form or policy margin clause marina operators legal liability coverage marine insurance marine survey maritime law market conduct market conduct exam market cycles market risk market service agreement (MSA) market value market value clause masonry noncombustible construction (ISO) master policy master service agreement (MSA) matching deductible material safety data sheet (MSDS) mature mature claims-made maturity maturity date maximum foreseeable loss (MFL) maximum medical improvement (MMI) maximum possible loss (MPL) maximum premium Mc Carran-Ferguson Act (Public Law 15) of 1945 MCS-90 endorsement mean reserve means and methods of construction mean/variance/covariance (MVC) risk modeling method media liability coverage mediation mediation incentive deductible Medicaid medical fee schedule Medical Injury Compensation Reform Act (MICRA) of 1975 medical malpractice "caps" medical malpractice insurance medical payments, auto medical payments, general liability medical payments, homeowners Medicare Medicare fraud and abuse insurance Medicare, Medicaid, and SCHIP Extension Act (MMSEA) of 2007 Medicare set-aside Medigap policy med-mal membership accounting members of Lloyd's of London mental impairment mental-mental injuries menu-driven policy mercantile open stock mercantile robbery mercantile safe burglary Meredith Principles merger and acquisition litigation merger objection lawsuit Mexico coverage microcaptive midi-tail Migrant and Seasonal Agricultural Worker Protection Act (MSAWPA) of 1983 mill construction Miller Act of 1935 Million Dollar Round Table (MDRT) mineral lease mine subsidence coverage minimum and deposit (M&D) minimum deposit policy minimum premium ministerial exception mini-tail mini-trial minor's compromise miscellaneous liability coverage miscellaneous medical facilities miscellaneous type vehicles misclassification claims misrepresentation misstatement of age provision mixed-motive evidentiary standard (in employment discrimination cases) mix of services mobile equipment mobile home policy model model act modification factor (the "mod") modified fire resistive construction (ISO) modified premium monetary threshold money and securities broad form policy money orders and counterfeit paper currency insurance monoline monopolistic state funds Monte Carlo simulation (MCS) Montrose doctrine Montrose provision moonlighting coverage morale hazard moral hazard morbidity mortality mortality table mortgage-backed security mortgage errors and omissions insurance mortgageholders mortgage impairment insurance mortgage insurance mortgage (mortgagee) clause most favored venue wording motion motion in limine motion practice motion to dismiss Motor Carrier Act (MCA) of 1980 Motor Carrier Act Endorsement motor carrier policy motorcycle insurance motor home policy motor truck cargo motor vehicle motor vehicle insurance law motor vehicle record (MVR) motor vehicle registration law moving cause multiemployer pension and benefit plans multi-peril crop insurance (MPCI) multi-period excess earnings (MPEE) method multiple coordinated policies multiple indemnity multiple parent captive multiple protection insurance multiple trigger insurance contracts multiplied damages multiyear single limit (MYSL) mutual additional insured status mutual benefit association mutual company mutual fund mutual insurer mutualization mutual law enforcement agreements A B C D E F G H I J K L M N O P Q R S T U V W X Y Z name named insured named nonowner policy or endorsement named perils coverage name partner National Association of Insurance Commissioners (NAIC) National Association of Registered Agents and Brokers (NARAB) National Council on Compensation Insurance (NCCI) National Flood Insurance Program (NFIP) National Highway Traffic Safety Administration (NHTSA) National Independent Statistical Service (NISS) nationalization National Practitioner Data Bank (NPDB) National Priorities List (NPL) National Response Center National Response Team (NRT) National Safety Council Nationwide Marine Definition natural death naturally occurring asbestos (NOA) naturally occurring substances negative basis negligence negligence per se negligent entrustment negligent evaluation negligent provider selection negligent referral negligent retention net interest earned net level premium net line net loss net loss reserves net present value net retained liability net retention net risk (risk limitation) network net written premium new for old newly acquired entities newsgathering torts New Source Performance Standards (NSPS) nexus NFC mortality rate no-fault no further remedial action planned nonadmitted asset nonadmitted balance nonadmitted insurance nonadmitted insurance (international insurance) nonadmitted insurer nonadmitted reinsurance Nonappropriated Fund Instrumentalities Act of 1952 nonassessable nonassignable noncertified act of terrorism noncombustible construction (ISO) nonconcurrency nonconcurrency of coverage triggers noncontributing, noncontributory noncontributory insurance noncontrolled foreign corporation (NCFC) noncorrelated risks noncumulation of limits provisions nonderivative suits nonduplication of benefits noneconomic damages nonengagement letter nonfiled line of coverage nonfinancial foreign entity (NFFE) nonforfeiture values nonimputation provision noninsurable risk noninsurance noninsurance risk transfer nonledger assets nonmedical nonoperating working interest nonowned automobile nonparticipating (non-par) nonparticipation settlement clause nonpecuniary relief nonpracticing extension nonprofit directors and officers liability insurance nonprofit insurers nonproportional reinsurance nonqualified plans nonratable elements nonrescission provision nonresident agent nonstandard auto insurance nonsubject premium nonsubscriber workers compensation plan nonsubscription nonsuit nontransferability provisions noon clause no-pay, no-play laws normal loss North American Industry Classification System (NAICS) nose coverage notary claim exclusion notice notice of cancellation endorsement notice of cancellation/nonrenewal clauses notice of circumstances during extended reporting period provision notice of claim provision notice of occurrence notice of potential claim provision notice to the company novation nuclear, biological, chemical (NBC) weapons nuclear, biological, chemical, radiological attack/weapon nuclear exclusion A B C D E F G H I J K L M N O P Q R S T U V W X Y Z object objective findings obligatory treaty obligee obligor occupational accident insurance occupational classification occupational disease occupational injury occupational manual occurrence occurrence basis occurrence policy occurrence year ocean marine coverage of counsel off-balance-sheet risk off-duty coverage offer offeree offer of judgment offeror office burglary and robbery Office of Motor Carrier Standards (OMCS) off-premises power coverage offset clause offset (setoff) offshore captive omnibus clause on-call employee on-demand bonds, bank guarantees ongoing operations Online Privacy Protection Act of 2003 (AB68) onshore captive open perils open rating open stock burglary policy operating cash flow operating earnings operational capital operational risk operational risk financing securities (ORFS) operational risk management (ORM) operator operators extra expense (OEE) optimization optimum level of risk retention option optionally renewable option backdating option instruments option spring-loading opt-out lawsuits ordinance or law coverage ordinary construction ordinary life ordinary payroll limitation or exclusion endorsement organizational documents organizational risk organizing original gross premium (OGP) original insurer ostensible agency liability other insurance clause other states coverage other structures: homeowners policy other-than-collision coverage other underwriting income outcomes measurement outer continental shelf Outer Continental Shelf Lands Act (OCSLA) of 1953 out of employment outplacement outside directors outside directorship liability coverage outstanding losses outstanding loss reserves (OSLR) outstanding premiums overall operating ratio overinsurance overlapping insurance over-line override overriding commission overtime surcharge owner controlled insurance program (OCIP) owner-operator owners and contractors protective (OCP) liability coverage ownership clause owners, landlords, and tenants (OL&T) liability policy owners protective errors and omissions insurance coverage A B C D E F G H I J K L M N O P Q R S T U V W X Y Z package policy paid-in capital paid losses paid loss retrospective rating plan paid up paid-up additions pain and suffering pair or set clause panel counsel par paralegal parallel proceedings parameter risk parcel post coverage parent company pari passu rule parol evidence Part A permit, Part B permit partial disability partial loss partial retention participant participating (par) participating policy participating reinsurance particular average partner partner controlled insurance program (PCIP) partner track party party-in-interest transactions party walls passive foreign investment company (PFIC) passive loss passive retention pass-through entity patent infringement patient compensation funds patient dumping Patient Protection and Affordable Care Act (PPACA) Patient's Bill of Rights legislation patient wearable Paul v.
Meanwhile the Downey Shelter badly needed a renovation that was estimated would take only four to five months.