Sunday, November 2, 2008

VEDIC WEDDING-Sri Anbil Ramaswamy

1. VEDIC WEDDING (By Anbil Ramaswamy)
AN INTRODUCTION
Marriage is a religious ceremony and is an important "Samskaaram". "Samskaaram" is meant "to purify" There are 40 Samskaaras prescribed in the Saastras. 26 of them relate to wedding and post-wedding periods. This shows the importance of the role of Grihasta (householder) who is considered to be pivotal in Society. Also, the others belonging to Brahmacharya (The Celibate), Vaanaprasta (The Anchorite) and Sannyasa (The Renounced) are not qualified to perform any rites involving the use of fire (agni Karyam) and they are prohibited from begetting progeny. "Dharma prajaartham vriNeemahE" says the mantra which means that marriage is primarily for begetting progeny. It is therefore the duty of the house-holder to enter this Aasrama with due respect. Marriage is, no doubt, primarily for begetting children but it was also required for the proper performance of worship. To drive home this point during the first four days after the wedding function, the couple is supposed to share the same bed but is not supposed to indulge in sex. Marriage is not only a contract between individuals but also a contract between families. Marriage is in NOT a license for sexual pleasures but a holy and irrevocable contract not only between the man and wife but also casts the burden of ensuring it to be so, till the very last, on the community comprising of the families of both sides. "Marriage is marriage" and is not a mere "love affair" which is nothing but an infatuation. Love affair is a relationship just for pleasure and when the pleasure wears out, the affair is gone. But, marriage is a lifetime commitment to yourself, to your other half and represents the prime concern of your life. If you make a sacrifice, you are not sacrificing to that person. It is a sacrifice to a permanent relationship. If pain there is in such relationship, there is also life in it. Love bears all, endures all. If the relationship has pains, remember that life is also not all that blissful all through all the time. The stronger the love, the more pain it is prepared to bear and ultimately the pain would turn out to be even enjoyable.Partners who enter in wedlock are not 'paragons of virtue' as they appear in the first flush of enthusiasm. None is perfect and to seek for perfection in the partner is like `seeking a mirage in the desert'. Perfect relationship is created by conscious effort and not discovered all on a sudden. The incompatibilities have to be resolved by a continual mutual adjustment and reconciliation by a willing attitude of 'give and take'.
1. Samaavartanam After completing studies in "Gurukula Vaasam" (Residential school in the teacher's home) learning the Vedas and other scriptures, the student proceeds to marry with the permission of the preceptor.
2. Kaasi YatraThe bachelor is now in a dilemma. He has to decide whether to remain a confirmed bachelor (naishTika Brahmachari) for the rest of his life or to get married and become a Grihasta. His first inclination would be to choose the former. He would plan to be a mendicant and go on a "Paadayatra" to holy places. He would prefer to start with a journey to Kaasi (Vaaruna-asi). At that time, the father of a prospective bride would intervene to persuade him to marry his daughter and start a family of his own offering him a lot of gifts to start the Aasrama. He would consult his parents and other elders in his family. The bachelor would be convinced, when they give the green signal!
3. KANYAA SULKAMA few representatives of the boy would be deputed to meet with the parents of the girl. An offer would be made by the boy's party to the girl's party for conducting the marriage. This is known as "Kanyaa Sulkam"In the good old days, the practice of "Vara dakshiNai" now enforced ruthlessly on the parents of the brides with disastrous consequences was practically unknown and is nowhere contemplated in the Saastras.
4. VARA PRESHANAM When once the parents of the bride accept the offer, the groom is deemed to be a replica of Mahaa VishNu himself and treated as such and is shown due courtesies by the bride's party.
5. NANDI and VARA POOJANandi is a ceremony in which, the two families solicit the blessings of their ancestors for formalizing the marriage.When once the parents of the bride accept the offer, the groom is deemed to be a replica of Mahaa VishNu himself and treated as such and is shown due courtesies by the bride's party.The priest announces three generations of the ancestry of both the bride and the groom.
6. VRATAMThis consists of several preliminary Samskaaras like NaamakaraNam, Jaata karaNam etc. For boys, all these would have been done already during Upanayanam. For girls, however, this is required to be done immediately before the marriage. Usually, it is done on the previous morning or on the morning of the wedding day.
7. VISHWAKSENA ARADANAM / LAKSHMI POOJABefore the commencement of the rites, the first event in any religious ceremony will be to seek the blessings of Vishwaksena who removes all obstacles in the way of successful conduct of the function. Lord Mahaalakshmi is invoked by placing at the feet of the Goddess, a gold pendent and other jewelry of the bride seeking her blessings for a long and happy married life for the young couple.
8. PUNYAHAVACHANAMVaruNa, the Lord of waters with appropriate mantras is then invoked in a vessel containing holy waters and decorated with a coconut, flowers, kumkum and turmeric. Invoking Lord VishNu and the nine planets, the place is sprinkled with this water as a means of purification to make the venue fit for the functions that follow.
9. AnkuraarpaNamSome seeds of paddy, black gram, green gram, sesame and mustard are soaked in water and filled in small mud bowls. The sprouts are carefully nursed and kept intact till the completion of the wedding functions. This is known as "Paalikai". The sprouting is symbolic of the intended production of progenies of the couple.
10. BOY AND GIRL MEETAt the time of the first meeting, several mantras are chanted by the prospective groom praying for the removal of any blemishes that the girl might have contracted knowingly or unknowingly.
11. EXCHANGING GARLANDS The boy and the girl exchange flower garlands and shower each other with rice mixed with turmeric as a token of their coming together for the holy wedding. This indicates that free exchange of ideas between them after the marriage and that neither of them would keep back anything from the other.
12. OONJALThey are made to sit on a swing. The swing symbolizes the ups and downs of life, which the couple may have to face united and with confidence and full faith in each other. Ladies sing songs in lilting tunes to add a festive fervor of the occasion.
13. Parting is painfulAny parting is painful. The bride is about to leave her parent's home where she had grown up all along and is about to enter a totally new and alien surrounding of her would - be husband. Both the girl and her parents would feel the pangs of prospective separation and the uncertain atmosphere in which the girl would have to lead her life post-marriage, tears might roll down their cheeks. Since it would not be proper to shed tears on such an auspicious occasion, a special mantra is uttered to ward off any evil effects of such feelings.
14. PRATISARA BANDHAM / RAKSHA BANDHAMA string soaked in turmeric is tied around the left wrist of the girl and on the right wrist of the boy, probably to indicate a resolution of loyalty to each other. This is known as Pratisara Bhandham.
15. YOKETo reassure them, a ritual is prescribed in which one side of a miniature yoke is placed on the head of the bride signifying that the boy and the girl would act in unison in carrying out their new life like a pair of bulls dragging a cart. The Mangalyam is placed in the hole in the yoke and water is poured drop by drop through the hole on the bride. There are other interpretations of this ritual linking it to the story of one "Apaala" (daughter of Sage Atri) who was rescued by Indra (the Lord of Gods) through a yoke of his chariot as a result of which she became relieved of disease and shone in full luster.
16. MANGALA SNAANAMThe bride is then given a ceremonial bath called MangaLa Snaanam. The bridegroom has a shave and bath. He wears a "Panchakachcham" and two sacred threads (yagjnOpaveetam)
17. AGNI PRATHISHTA Fire god is deemed to be the intermediary between the devotees and Gods. He is the Chief witness to the entire proceedings. So, fire is ignited in the fire pit (hOma kuNDam) into which the offerings (Mainly ghee (Clarified butter) are offered with a request to the Fire God to carry the offerings to satisfy the Gods.
18. MADHUPARKAMThe bride and the groom are then offered some pieces of fruits and honey to indicate that their married life would be sweet all the way.
19. KOORAI PUDAVAIThe groom presents an expensive sari (with blouse) to the girl. She returns to the hall wearing this sari and fully bedecked with jewels befitting the occasion. The groom ties a string of reeds around the waist of the girl, perhaps indicating that she is "tied" to him!
20. THE GIRL IS ALREADY MARRIED!According to Saastras, a spinster is euphemistically said to have married the celestials called Soman, Chandran, and Agni before marrying a human! In other words, she has been blessed by these celestials. The groom recites a mantra to this effect and proceeds to go through the rest of the rituals.[To be continued] dasohamAnbil Ramaswamy(To be continued)

Tuesday, September 16, 2008

Saturday, August 30, 2008

Wednesday, June 11, 2008

I LOVE INDIA

General Sources
Country Study: India (Library of Congress) September 1995
Portals to the World: India (Library of Congress)
Background Note: India (U.S. Dept. of State)
Chiefs of State and Cabinet Members of Foreign Governments: India (U.S. Central Intelligence Agency)
Consular Information Sheet: India (U.S. Dept. of State)
Country Information: India (U.S. Dept. of State)
Country Profile of India (U.S. Dept. of Labor) from By The Sweat and Toil of Children: A Report to Congress, Volume I (July 15, 1994)
Country Reports on Economic Policy and Trade Practices, 1993-2001 (U.S. Dept. of State) see reports listed under South Asia
Country Reports on Human Rights Practices: India (U.S. Dept. of State)
Economic Briefing: India (The Economist)
Embassy of India, Washington
Governments on the WWW: India (Gunnar Anzinger)
Human Rights in India (Amnesty International)
International Religious Freedom Annual Reports: India (U.S. Dept. of State)
NATIONAL LIBRARY: National Library - information (IFLA)
U.S. Embassy, New Dehli (U.S. Dept. of State)
World Factbook: India (U.S. Central Intelligence Agency)
World Hunger: India (World Food Programme)
WWW DIRECTORIES / PORTALS: India (Google); India (Yahoo); WWW-VL Asian Studies: India (WebHead)

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Monday, June 9, 2008

INCOME OF SOURCING ARM OF NRI-NOT TAXABLE

`Sourcing arms of NRIs not to pay tax`
Raghuvir Badrinath / Bangalore June 10, 2008, 0:25 IST
In a landmark decision, the Bangalore Tribunal has ruled that the income arising from non-resident Indians' (NRIs') sourcing operations through liaison offices in India is not taxable.
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The liaison offices have of late come under the scanner of the revenue department. The tax authorities are of the view that sourcing goods from India through agents is a revenue-generating activity and so income from it should be taxed.
The ruling is a breather for NRIs buying goods through agents in India for exports. The ruling is also important as it sets a principle that the purchase activity is not taxable in India, irrespective of whether the goods are purchased by the principal or the agent.
The tribunal had last week ruled this in favour of a global sports apparel firm headquartered in the US. "It has affiliates in various countries. The assessee assists its affiliates in procuring goods from manufacturers in many parts of the world as a buying agent and gets remuneration on a commission basis," said an official involved in the process.
The assessee has entered into an agreement with manufacturers in India for procurement of goods, which are directly shipped to the affiliate's location. The assessee had set up a liaison office in the country with the approval of the Reserve Bank of India (RBI). The activities included giving opinion on prices and supervising progress and quality at the manufacturing workshop.
The revenue authorities said the activities of the liaison office extended beyond the RBI approval. They further argued that the exclusion to business connection in respect of "purchase of goods by a non-resident for the purpose of export" would not apply to the assessee since it does not take title to the goods. A percentage of the value of exports was considered as income attributable to the India operations.
The Bangalore Tribunal held that irrespective of whether the principal purchased directly or through an agent, the activity would be excluded from the gamut of business connection so long as the purchase is exports-related. Hence, no income is accrued or deemed to accrue or arise in India. This was confirmed by KR Sekar, partner, Deloitte Haskins & Sells.
The tribunal also observed that the assessee is not representing the manufacturer but is an agent of the affiliates. The liaison office only ensures and supervises the manufacturing activity as an agent of the affiliates. The manufacturer does not receive any services from the liaison office or the assessee. The activities of the liaison office were well within the limits prescribed by the RBI, it said.

Friday, June 6, 2008

NEW INCOME-TAX FORMS-2008-09

FW: [aaykarbhavan] download link for New Income Tax Return Forms Posted by: "Sameer Pradhan" sameer_pradhan75@hotmail.com sameer_pradhan75 Fri Jun 6, 2008 3:28 am (PDT)
To: aaykarbhavan@googlegroups.com; aaykarbhavan@yahoogroups.comFrom: r.r.makwana@gmail.comDate: Thu, 1 May 2008 08:43:29 +0530Subject: [aaykarbhavan] download link for New Income Tax Return Forms
New Income Tax Return Forms
Form No Heading
A.Y. 2007-08 A.Y. 2008-09
ITR 1 Normal FontLarge Font
ITR 1 Normal FontLarge Font InstructionsFor Individuals having Income from Salary/ Pension/ family pension & Interest
ITR 2 ITR 2 InstructionsFor Individuals and HUFs not having Income from Business or Profession
ITR 3 ITR 3 InstructionsFor Individuals/HUFs being partners in firms and not carrying out business or profession under any proprietorship
ITR 4 ITR 4 InstructionsFor individuals & HUFs having income from a proprietary business or profession
ITR 5 ITR 5 InstructionsFor firms, AOPs and BOIs
ITR 6 ITR 6 InstructionsFor Companies other than companies claiming exemption under section 11
ITR 7 ITR 7 InstructionsFor persons including companies required to furnish return under section 139(4A) or section 139(4B) or section 139(4C) or section 139(4D)
ITR 8 ITR 8 InstructionsReturn for Fringe Benefits
ITR V ITR V
Where the data of the Return of Income/Fringe Benefits in Form ITR-1, ITR-2, ITR-3, ITR-4, ITR-5, ITR-6 & ITR-8 transmitted electronically without digital signature
Acknowledgement Acknowledgement
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Forms to be submitted by Scientific Research Organisations
Application Form for approval under clause (ii) of sub-section (1) of section 35 of the Income-tax Act, 1961 in the case of a Scientific Research AssociationFORM NO.3CF-I
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Order of approval of in-house Research and Development facility under section 35(2AB) of the Income-tax Act, 1961FORM NO. 3CM
Certificate of expenditure by way of payment in respect of eligible projects or schemes notified under section 35ACFORM NO. 58A
Certificate of expenditure incurred directly by a company in respect of eligible projects or schemesnotified under section 35ACFORM NO. 58B
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Application for grant of exemption or continuance thereof under section 10(23C)(iv) and (v) for the year FORM NO. 56
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Tuesday, May 27, 2008

INCOMETAX ACT AS AMENDED By 2008

INCOME TAX ACT, 1961 AS AMENDED BY FINANCE ACT 2008
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Tuesday, May 20, 2008

SOFTWARE BUNCH

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StarOffice (download)If you prefer offline apps that reside on your PC, download the free StarOffice suite, which includes a word processor, a spreadsheet app and a presentation program, among other goodies. It's part of the free Google Pack, which also contains a bunch of other programs you might not want. During the Google Pack download, simply check the box next to StarOffice and uncheck all the others.
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CONTINUED: File Sharing and Storage
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Saturday, May 17, 2008

INSURANCE Glossary


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





A201 Construction Contract





abandonment





abatement





absolute pollution exclusion





absorbed dose





accept





accident





accidental death





accidental death and dismemberment (AD&D)





accidental means





accident year data





accident year experience





accommodation line





accountants professional liability insurance





account current





accounts receivable coverage





accreditation





Accredited Adviser in Insurance (AAI)





accumulation





accumulation period





ACM





acquisition costs





action levels





action versus the insurer provision





active retention





activity standards





act of God





actual cash value (ACV)





actuarial report





actuary





acute exposure





acute toxicity





ACV





ADA





AD&D





additional expense coverage





additional insured





additional insured endorsement





additional living expense (ALE) coverage





additional medical





additional named insured





add-on control device





"add-on" no-fault laws





adhesive contract





adjustable feature





adjusted earnings





adjusted net worth





adjuster





administrative law





administrative order





administrative order on consent





administrative services only (ASO)





administrator





admiralty law





admitted assets





admitted/authorized reinsurance





admitted company





admitted insurer





admitted reinsurer





ADR





advanced wastewater treatment





advance loss of profit (ALOP) insurance





advancement of defense costs provision





adverse selection





advertisement





advertising injury





advisory endorsement





A&E





aerobic treatment





affiliated companies





affiliated risk





affinity sales





affirmative defense





afterburner





aftermarket parts





AGC





Age Discrimination in Employment Act (ADEA) of 1967





agency





agency agreement





agency captive





agency plant





agency system





agent





agent of record





agent's errors and omissions





agent's license





aggravation





aggregate





aggregate deductible





aggregate excess insurance





aggregate excess of loss reinsurance





aggregate limit of liability





aggregate limits reinstatement





aggregate stop-loss reinsurance





agreed amount clause





agreed value coverage option or provision





agreement not to rely on governmental immunity





AIA





airborne particulates





air quality control region





air quality standards





air stripping





air toxins





ALAE





ALE





aleatory contract





alienated premises





alien insurer





allegations





allied healthcare professional liability insurance





allocated expenses





allocated loss adjustment expenses (ALAE)





allocated loss expense





allocation





all risks coverage





all risks, difference-in-conditions (builders risk)





all risks, ground and flight





all risks, not in motion





alternate employer endorsement





alternative dispute resolution (ADR)





alternative dispute resolution provision





alternative market





alternative minimum tax (AMT)





alternative remedial contract strategy contractors





alternative risk financing facilities





alternative risk financing mechanism





alternative risk transfer (ART) market





A.M. Best rating





amendment of "insured contract" definition endorsement





AMERCO v. Commissioner





American Association of Insurance Services (AAIS)





American Institute for Chartered Property Casualty Underwriters, Inc. (AICPCU)





American Institute of Architects (AIA)





American Institute of Certified Public Accountants (AICPA)





Americans With Disabilities Act (ADA)





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 cause (ACC) provision





anti-indemnity statute





anti-stacking provisions





anti-theft 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





ARM





asbestos





asbestos abatement





asbestos containing material (ACM)





asbestos program manager





ASO





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)





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





attachment basis





attachment point





attained age





attorney/client communication





attorney work product





attractive nuisance doctrine





audit





authorized non-admitted 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 liability excess indemnity





automobile liability insurance





automobile physical damage insurance





average basis





average rate





average severity





average weekly wage (AWW)





aviation accident insurance





aviation hazard





avoidance





awareness provisions





AWW







A B C D
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B





back-dated liability insurance





back pay





back-to-back deductible





BACM





bad faith





bailee





bailee coverage





balance





balance billing





bancassurance





bank





bank assurance





bankers professional liability (BPL) insurance





bankruptcy condition





bareboat charter





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





BDAT





beauty contest





below-target-risk (BTR)





BEN





benchmarking





bench-scale tests





bench trial





beneficiary





benefits





benefits payable exclusion





BERP





best available control measures (BACM)





best demonstrated available technology (BDAT)





Best’s Capital Adequacy Ratio (BCAR)





Best's Rating





betterment clause





BFPD





bid bond





bid deducts





bifurcation





bilateral extended reporting period provision





bill of lading





binder





bingo card program





bingo stamp





biological magnification





biomechanical analysis





bioremediation





Black Lung Benefits Act





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





blowout and cratering





blowout prevention warranty





Blue Book





blue plan





boards and bureaus





boatowners policy





bobtail





bobtail liability





bodily injury





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 insurance





bond





bonding





book value





boom coverage





BOP





bordereau





borderline risk





Bornhuetter-Ferguson technique





borrowed servant rule





boutique law firm





BPL





branch profits tax





brand equity





brand rehabilitation





brands and labels endorsement





breach





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





buffer layer





builders risk policy





building and personal property coverage form (ISO)





building codes effectiveness grading schedule (BCEGS)





building ordinance coverage





building rate





bulk reserves





bumbershoot





burden of proof





burglary





burning cost





business auto policy





business continuity management (BCM)





business income coverage





business income worksheet





business interruption coverage





business interruption worksheet





business judgment rule





business legal expense insurance





business risk





businessowners policy (BOP)





business use class





buyback deductible





buyers' market





buyout settlement clause





buy/sell agreement







A B C D
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C





CAA





Cable Communications Policy Act (CPPA)





calendar year experience





cancelable





cancel and rewrite





cancellation





C and F





candidate analysis





CAN-SPAM Act





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





CAPM





captain of the ship doctrine





captive





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)





carrier





carryover provision





case management





case reserve





case reserves cash flow plans





cash balance pension plans





cash call





cash flow program





cash flow return on investments (CFROI)





cash flow underwriting





cash refund annuity





cash surrender value





casualty insurance





catastrophe





catastrophe bond





catastrophe equity put





catastrophe plan





catastrophe policy





catastrophe reinsurance





catastrophe reserves





catastrophic loss





causes of loss





causes of loss forms (ISO)





CCC





cedant





cede





ceded premiums





ceding commission





ceding company





cell captive





central collection point





central tendency





CERCLA





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





CFC





CGL





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)





Choice no-fault





chronic toxicity





chronological stabilization plans





CIF





circumstance





Civil Rights Act of 1991





claim





claimant





claim expense





claims adjuster





claims administrator





claims audit





claims-made





claims-made and reported policy





claims-made and reported provision





claims-made multiplier





claims-made reinsurance





claims-paid policy





claims reserve





clash cover





class





class action





Class Action Fairness Act of 2005





class I area





Class 1 insureds





Class 2 insureds





classification





classified insurance





class of business





class rating





clause





Clean Air Act (CAA)





clean closure





cleanup fund





Clean Water Act (CWA)





client company





clinical patterns





closed-loop recycling





CLU





coded excess





codefendant





coding





coemployer





coemployment





COGSA





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





collision insurance





combination plan reinsurance





combination policy





combined ratio





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 on Sponsoring Organizations (COSO)





common accident





common carrier





common disaster





common law





common law defenses





common law liability





common policy conditions





community property





community rating





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





composite rating





comprehensive 3-D policy





comprehensive auto coverage





comprehensive auto liability (CAL)





comprehensive boiler and machinery coverage





Comprehensive Environmental Response Compensation and Liability Act (CERCLA)





comprehensive general liability (CGL) policy





compulsory insurance





compulsory insurance requirements (international insurance)





computer crime insurance





computer fraud coverage form





computer software design errors and omissions





concealment





concurrency





concurrent causation





concurrent-cause situation





concurrent insurance





conditional binding receipt





conditionally renewable





conditional payment clause





conditional vesting





conditions





condominium association coverage form (ISO)





confidence intervals (levels)





confiscation, expropriation, nationalization, and deprivation insurance





conflict of laws





consent judgment





consent to settlement clause





consequential bodily injury suits





consequential loss





conservator





consideration





consolidated insurance program (CIP)





consolidation





constructibility review





construction ban





construction defect





construction management professional liability insurance





Construction Risk and Insurance Specialist (CRIS)





constructive discharge





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 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 insurance (CAR)





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





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 Act of 2003
(CAN-SPAM)





control technique guidelines (CTG)





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





COP





COPE





core capital





corporate counsel





corporate governance





corporate override agreement





corporate reimbursement coverage





correlation/uncorrelation





corridor deductible





cost and freight (C and F)





cost, insurance, and freight (CIF)





cost of hire endorsement





cost of risk





cost of suit coverage





cost of well control





cosurety





counseling liability





counsel selection provision





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 trigger





cover note





CPCU





cradle-to-grave or manifest system





credentialing liability





credibility





credit carry-forward





credit for reinsurance





credit insurance





credit life insurance





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-liability coverage





cross-liability endorsement





cross purchase





Cumis counsel





cumulative collusive excess cover





cumulative injury





current disbursement





current service benefit





custom bond





customer's auto





cutoff





cut through endorsement





CWA





cyberspace liability







A B C D
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D





daily reports





"damage to premises rented to you"





"damages reduction" provision





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)





death rate





debit agent





debit life insurance





debit system





debris removal





decennial liability





declarations





declaratory judgment





declination





deductible





deductible, annual aggregate





deductible plan





deemer period





deemers





defamation





default





default insurance





defeasance





defendant





Defense Base Act





defense clause





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 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 suits





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





diminution in value





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 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





discount rate





discovery





discovery cover





discovery period





discovery provision





discovery rule





discrimination





disease loading





dismemberment





dismissal





disparate impact discrimination





disparate treatment discrimination





dispersion





distributions





distribution system





diversification credit





divided risk endorsement





dividend accumulation





dividend addition





dividend options





dividends





divisible contract clause





docket control system





DOHSA





domestic insurer





domestic terrorism





domicile





domicile manager





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





drive other car endorsement





Driver's Privacy Protection Act (DPPA)





drop down provision





druggist liability insurance





dry pipe sprinkler system





dual agency





dual capacity





due diligence





duty to defend





duty to pay





dwelling





dwelling property coverage forms





dynamic financial analysis (DFA)





dynamic risk







A B C D
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E





EAP





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





EC endorsement





ecological risk assessment





economic capital





economic cost of ruin (ECOR)





economic damages





Economic Loss Doctrine





economic or use value





economic value added (EVA)





EDD





EDP coverage





educators legal liability (ELL) insurance





EEO-1 report





effective date





effective tax rate





efficacy insurance





EFT system coverage





EIL insurance





election





election window





elective benefits





electrical damage or injury exclusion





Electronic Communications Privacy Act (ECPA)





electronic data





electronic data processing (EDP) coverage





electronic funds transfer (EFT) system coverage





electronic products errors and omissions (E&O) insurance





elevator insurance





eligibility period





elimination period





ELP factor





EMAP





embedded value





emergency





emergency medical technician (EMT) and paramedics professional liability





emergency response plan





emergency response values





employed lawyers professional liability insurance





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 (ERISA) liability





Employee Retirement Income Security Act (ERISA) of 1974





employee stock ownership plan (ESOP)





employee stock purchase plan





employee welfare benefit plans





employees as additional insureds





employers excess indemnity insurance





employers liability coverage





Employment Arbitration Agreement





employment-at-will doctrine





employment practices liability insurance (EPLI)





employment-related practices liability (ERPL) policy





employment risk





EMT





encapsulation





endangerment assessment





endemic disease coverage





endorsement





endowment insurance





energy release theory





enforceable requirements





enforcement decision document (EDD)





engaged in trade or business (ETB)





engagement letter





engineering





engineering insurance





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





EPLI





Equal Employment Opportunity Commission





Equal Pay Act of 1963





equipment breakdown insurance





equipment floater





equitable estoppel





erection all risks insurance (EAR)





ergonomics





Erie Doctrine





ERISA liability





ERM





ERP





ERPL





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





ETB





event





event insurance





event risk





event triggered financings





evidence





evidence of insurability





exacerbation





exception (to exclusion)





excess





excess and surplus (E&S) lines insurance





excess cover





excess insurance





excess interest





excess liability "follow form" policy





excess liability policy





excess limit





excess lines broker





excess loss premium (ELP) factor





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





expert





expiration





expiration file





expiration notice





export and/or import embargo indemnity





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





extracontractual damages





extracontractual obligations (ECO)





extra expense coverage





extra percentage tables





extra premium





extraterritorial coverage





extremely hazardous substances





"extrinsic facts" test







A B C D
E
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F





face amount





facility emergency coordinator





factory firms





facultative





facultative automatic





facultative obligatory treaty





failure to collect contributions exclusion





failure to fund in accordance with ERISA exclusion





failure to insure exclusion





Fair Credit Reporting Act (FCRA)





FAIR (Fair Access to Insurance Requirements) Plans





Fair Labor Standards Act (FLSA) of 1938





fair rental value (FRV) coverage





faithful performance coverage





false pretense, trick, and device





Family and Medical Leave Act (FMLA) of 1993





farmowners insurance





FAS





FAS 5





FAS 113





FAS 115





FASB





FCE





FCMH&SA





FC&S warranty





feasibility study





Federal Coal Mine Health Safety Act (FCMH&SA)





Federal Employers Liability Act (FELA)





federal excise tax (FET)





Federal Highway Administration (FHWA)





Federal Insurance Contribution Act (FICA)





Federal Motor Carrier Safety Administration (FMCSA)





Federal Motor Carrier Safety Regulations (FMCSR)





Federal Savings and Loan Insurance Corporation (FSLIC)





fee-for-service





fees





fee schedule





FELA





fellow employee coverage





fellow employee exclusion





fellow employee suits coverage





Fellow in Risk Management (FRM)





Fellowship of the Chartered Insurance Institute (FCII)





FET





FICA





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)





financial capacity





financial disclosure claims





financial guarantee insurance





financial institution bond





financial modeling





financial quota share





financial reinsurance





financial responsibility





financial responsibility law





financial restatement





financial restatement exclusion





financial risk management





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





firewall





fire wall





"first bite"





first-cause test





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





floater policy





flood coverage





flood exclusion





floor





FOB





FOB destination





follow form





follow form professional liability endorsement





following reinsurer





following the fortunes





forced placed





force majeure





force majeure insurance





foreign commerce





foreign currency controls





foreign insurer





foreign liability coverage





foreign title equivalent coverage provision





forgery or alteration coverage





"for-hire" motor carrier





form





fortuitous event





forum shopping





forward





forward contract





"four-corners" test





FPA





FPAAC





FPAEC





fractional premium





frame construction





franchise deductible





franchise insurance





fraud





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 (FOB destination)





freight broker





freight forwarder





frequency





friable asbestos





friendly fire





FRM





front company





front pay





fronted captive





fronting





FSLIC





full coverage





full preliminary term reserve valuation





full prior acts 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
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G





garagekeepers coverage/garagekeepers legal liability





garagekeepers extra legal liability





garage liability insurance





garage policy





garment contractors floater





GCW





General Adjustment Bureau (GAB)





general agency system





general aggregate limit





general average losses





general counsel





general damages





general employer





general exclusions





general inclusions





general indemnity clause





general liability insurance





Generally Accepted Accounting Principles (GAAP)





general maritime law





general supervision





geographical (coverage territory) limitations





GIC





glass ceiling





glass insurance





global insurance program





glovebag





good faith settlement





"good guy" letter





good samaritan statutes





good student discount





governing classification





grace period





graded commission





graduated drivers licenses





Gramm-Leach-Bliley (GLB) Act





greenmail exclusion





gross cessation





gross combination weight (GCW)





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 HMO





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





guaranty agreement





guaranty fund





guardian ad litem





Guertin laws





guests' property, premises





guests' property, safe deposit box





guest statutes, auto





GVW







A B C D
E
F G H I
J K L M
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O P Q R
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H





hail insurance





hammer clause





hangar keepers liability





hard market





The Harper Group v. Commissioner





hazard





hazard class pricing





hazardous ranking system (HRS)





hazardous waste





hazard risk





HAZMAT





healing plateau





healthcare purchasers liability insurance





health care reimbursement plan





Health Insurance Portability and Accountability Act of 1996 (HIPAA)





health maintenance organization (HMO)





hedge





hedge fund





hedge instrument





hedging transaction





highly protected risk (HPR) property





high-risk community





hired automobile





historical cost





HMO





hold harmless agreement





holding power formula





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 professional liability (HPL) insurance





hostile fire





hostile work environment sexual harassment





host liquor liability





hot line





Household Goods Transportation Act





HPR property





HR-10 plan





HRS





hull coverage





Humana, Inc. v. Commissioner





human equivalent dose





hurdle rate





hybrid





hybrid plans







A B C D
E
F G H I
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N
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I





IBNR





ICC Termination Act of 1995





identity theft coverage





idiopathic injury





III





ILOC





IME





immediate annuity





immediately dangerous to life and health (IDLH)





impaired property





impaired risk





impairment





impairment capital





implead





implied authority





implied warranty





improvements and betterments





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





independent medical evaluation (IME)





independently filed form





index





index-based contracts





index bureau





indexed deductible





indexing, indexation





indirect damage loss





individual practice association





Individual Risk Premium Modification (IRPM)





industrial hygiene control





industrial insured





industrial insured group





industrial life insurance





inflation factor





inflation guard provision





informal retention





information page





Information Practices Act (SB 1386)





informed consent





inherent defects insurance (IDI)





inherent vice





in-house counsel





initial premium





initial public offering (IPO)





inland marine coverage





innkeepers legal liability





in rem endorsement





inside adjuster





insider trading





insolvency clause





inspection bureau





inspection fees





inspection reports





installation floater





installment settlement





installment tail coverage





insurability





insurable interest





insurance





insurance agent's errors and omissions





insurance commissioner





insurance department





insurance examiner





insurance exchange





Insurance Information Institute (III)





insurance line





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 Cleanups (IFCs)





insured versus insured exclusion





insurer





insurer insolvency exclusion





insurer-sponsored agency captive





insuring agreement





integrated disability management (IDM)





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





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





interpolicy stacking





interrelated claims provisions





interrogatory





interstate commerce





Interstate Commerce Act





Interstate Commerce Commission (ICC)





Interstate Commerce Commission (ICC) Termination Act of 1995





interstate experience rating





intrafamily immunity





intrapolicy stacking





intrastate commerce





intrastate experience rating





invasion of privacy





investment income





investment risk





invitee





IPO laddering claims





IRIS





irrevocable beneficiary





irrevocable letter of credit (ILOC)





ISO





issued business







A B C D
E
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N
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J





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 underwriting associations





joint venture





joisted masonry construction





Jones Act (Merchant Marine Act of 1920)





judgmental immunity





judgment rates





jumping juvenile insurance





jump process





jurisdiction







A B C D
E
F G H I
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N
O P Q R
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K





Kenney ratio





Keogh Act Plan





key man insurance





kidnap/ransom insurance





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
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L





labor contractor





LAE





Lamb-Weston Rule





lapse





lapse ratio





large deductible plan





large line capacity





laser exclusion





last-cause test





last injurious exposure





latent defect





lateral hire





laundry listing





law clerk





law enforcement officers liability





law of large numbers





lawyers professional liability coverage





layering





lay-up





lay-up warranty





LC5-lethal concentration





LD50-lethal dose





leading





lead reinsurer





leasehold interest





legal action against insurer





legal liability coverage form (ISO)





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





libel





liberalization clause





license





license and permit bond





licensed insurer/reinsurer





lien





life expectancy





life insurance trust





Life Office Management Association (LOMA)





Life Underwriter Training Council (LUTC)





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 management





Little Miller Acts





livestock collision





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)





Longshore and Harbor Workers Compensation Act (LHWCA)





long tail liability





long-term disability (LTD) income insurance





long-term insurance





loss





loss adjustment expense (LAE)





loss assessment





loss carry forward





loss constant





loss control





loss conversion factor (LCF)





loss costs





loss damage waiver (LDW)





loss development





loss development factor





losses incurred





losses in excess of policy limits





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 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 sensitive plans





loss trending





loss triangle





lost policy release





lowest achievable emission rate







A B C D
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M





maintenance, cure, and wages





maintenance wrap-up





major life activity





major medical insurance





malicious prosecution





malpractice





malpractice insurance





managed care





managed care coverage endorsement





managed care liability insurance





managed care organization (MCO)





management advisory services





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





manufacturer's 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





maritime law





market conduct





market conduct exam





market cycles





market risk





market service agreement (MSA)





market value





market value clause





masonry noncombustible construction





master policy





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





M&C insurance





McCarran-Ferguson Act (Public Law 15)





MCS-90 endorsement





mean reserve





mean/variance/covariance (MVC) risk modeling method





media liability coverage





mediation





mediation incentive deductible





Medicaid





medical fee schedule





Medical Insurance Compensation Reform Act (MICRA)





Medical Malpractice "Caps"





medical malpractice insurance





medical payments, auto





medical payments, general liability





medical payments, homeowners





Medicare





Medicare fraud and abuse insurance





membership accounting





members of Lloyd's of London





mental impairment





mental-mental injuries





menu-driven policy





mercantile open stock





mercantile robbery





mercantile safe burglary





methods and means (of construction)





Mexico coverage





MGU





midi-tail





Migrant and Seasonal Agricultural Worker Protection Act (MSAWPA)





mill construction





Miller Act





Million Dollar Round Table (MDRT)





mine subsidence coverage





minimum and deposit (M&D)





minimum deposit policy





minimum premium





mini-tail





mini-trial





minor's compromise





miscellaneous liability coverage





misrepresentation





misstatement of age provision





mix of services





mobile equipment





mobile home policy





model





model act





modification factor (the "mod")





modified fire-resistive construction





modified premium





monetary threshold





money and securities broad form policy





money orders and counterfeit paper currency insurance





monoline





monopolistic state funds





Montrose doctrine





Montrose endorsement





moonlighting coverage





MOP





morale hazard





moral hazard





morbidity





mortality





mortality table





mortgage errors and omissions insurance





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)





Motor Carrier Act Endorsement





motor carrier policy





motor home policy





motor truck cargo





motor vehicle





motor vehicle insurance law





motor vehicle registration law





multiemployer pension and benefit plans





multiple-cause situation





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





MVR







A B C D
E
F G H I
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N
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N





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)





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





NCCI





negative basis





negligence





negligence per se





negligent entrustment





negligent provider selection





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





NFIP





no-fault





no further remedial action planned





nonadmitted asset





nonadmitted balance





nonadmitted insurance (international insurance)





nonadmitted insurer





nonadmitted reinsurance





Nonappropriated Fund Instrumentalities Act





nonassessable





nonassignable





non-certified act of terrorism





noncombustible construction





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





nonforfeiture values





nonimputation provision





noninsurable risk





noninsurance





noninsurance risk transfer





nonledger assets





nonmedical





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





nonresident agent





nonstandard auto insurance





nonsubject premium





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/nonrenewal clauses





notice of circumstances during ERP provision





notice of claim provision





notice of occurrence





notice of potential claim provision





notice to the company





novation





NPL





nuclear, biological, chemical (NBC) weapons





nuclear exclusion







A B C D
E
F G H I
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N
O P Q R
S T U V
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O





object





objective findings





obligatory treaty





obligee





obligor





occupational accident insurance





occupational classification





occupational disease





occupational injury





occupational manual





occurrence





occurrence policy





occurrence year





ocean marine coverage





OCP





OCSLA





OEE





of counsel





off-balance-sheet risk





off-duty coverage





offer





office burglary and robbery





Office of Motor Carrier Standards (OMCS)





off-premises power coverage





offset clause





offshore captive





OL&T liability policy





omnibus clause





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)





operators extra expense (OEE)





optimization





optimum level of risk retention





option





option backdating





option instruments





optionally renewable





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





OSLR





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)





out of employment





outplacement services





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
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N
O P Q R
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P





package policy





paid-in capital





paid losses





paid loss retrospective rating plan





paid up





paid-up additions





pain and suffering





pair or set clause





PAP





par





paralegal





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





passive foreign investment company (PFIC)





passive loss





passive retention





pass-through entity





patent infringement





patient dumping





Patient's Bill of Rights Legislation





Patient's Compensation Funds





Paul v. Virginia





payment account





payment bond





payor benefit





payout profile





payroll





payroll audit





payroll deduction





payroll limitation





peer review





penal sum





penalty





per capita





percentage participation





per diem business interruption coverage





perfect hedge





performance bond





performance ratio





peril





peril of the sea





per-loss deductible





permanent and stationary





permanent life insurance





permanent partial disability





permanent total disability





per occurrence limitation of liability provision





per risk excess reinsurance





personal and advertising injury





personal articles floater





personal auto policy (PAP)





personal effects floater





Personal Information Protection and Electronic Documents Act (PIPEDA)





personal injury





personal injury protection (PIP)/no-fault





personal liability coverage





personal lines





personal property





personal risk management (PRM)





personal umbrella policy





personnel risk





per stirpes





phishing





physical hazard





physical impairment





physical-mental injuries





physical rehabilitation





P&I insurance





PIP





placement service agreement (PSA)





placement slips





plain language laws





plaintiff





planned retention





planning





plate glass insurance





pleadings





PML





point-of-entry treatment device





point-of-use treatment device





police professional liability insurance





policy





policy anniversary





policy conditions





policy date





policy dividend





policy expense allowance





policy fee





policyholder





policyholder dividends





policyholder surplus





policy loan





policy owner





policy period





policy registers





policy reserve





policy territory





policy writing agent





policy year





policy year experience





political risk insurance





pollutant





pollutant standard index (PSI)





pollution





pollution exclusion





pool





portfolio





portfolio reinsurance





portfolio return





portfolio runoff





portfolio transfer





Port Risk





post-emergency recovery





postmortem dividend





potentially responsible party (PRP)





power of attorney





practice insurance policy





practice policy





preauthorized check plan





precedent





pre-claim advice credit





predecessor firm coverage





predominant-cause test





preexisting condition





preferred provider organization (PPO)





preferred risk





prejudgment interest





premises





premises burglary coverage





premises-operations





premises theft and outside robbery coverage form H





premium





premium, advance





premium audit





premium basis





premium capacity





premium deposit





premium discount





premium loan





premium notice





premium payment plan





premium prepayment





premium, pure





premium reserve





premiums earned





premium tax





prepaid legal plans





preponderance of evidence





present value





preservation of property





pre-set allocation provision





presumption





presumptive indemnification provision





PRIMA





primary and non-contributory





primary beneficiary





primary cover





primary insurer





primary liability





principal





principal sum





principle of indemnification





prior acts coverage





prior and pending litigation exclusion





prior work exclusion





private carrier





private company directors officers (D&O) liability insurance





private equity firm





Private Letter Ruling





private placement





Private Securities Litigation Reform Act of 1995





privileged communication





privity of contract





probability





probability analysis





probability of ruin





probable maximum loss (PML)





probationary period





proceeds





process





process risk





process wastewater





producer





producer-owned reinsurance captive (PORC)





product





product disparagement





production of documents





product liability





product liability exclusion





product liability insurance





product recall





products-completed operations





products guarantee legal liability





products tampering insurance





professional employer organization (PEO)





professional liability





professional reinsurer





profit center captives





profit commission





profit sharing plan





pro forma (projected) financial statements





program business





progressive injury or damage





prohibited risk





prohibited transaction exemption (PTE)





prohibited transactions





prohibition of voluntary payments provision





pro hoc vice





project liability insurance





project management protective liability (PMPL) insurance





promissory estoppel





promissory note





proof of loss





property damage





property insurance





property transfer liability insurance





proportional liability





proportional/pro rata reinsurance





proposal bond





pro rata





pro rata cancellation





pro rata distribution clause





pro rata reinsurance





proration





pro se





prospect





prospecting





prospective aggregates





prospective loss costs





prospective rating





protected cell captive (PCC)





protection and indemnity (P&I) insurance





protection classes





protective liability insurance





protective order





Protective Professional Indemnity Insurance





protective safeguards endorsement





provisional notice of cancellation (PNOC)





provisional premium





proximate cause





psychological rehabilitation





public adjuster





Public Company Accounting Oversight Board (PCAOB)





public easement





public employee dishonesty coverage





Public Law 15 (McCarran Act)





public liability insurance





public officials bond





public officials liability





public officials liability insurance





public or livery conveyance use





public policy exception





Public Risk Management Association (PRIMA)





publishers liability





punitive damages





purchasing group





pure captive





pure claims-made policy





pure endowment





pure loss cost





pure premium





pure risk





putting in expenses







A B C D
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Q





qualified person with a disability





qualified plan





qualified self-insurer





qualitative claim auditing





Quality Indicator Profile (QIP)





quantitative claim auditing





quantity discount





quantum meruit





quasi-contract





quick assets





quid pro quo





quid pro quo sexual harassment





quota share reinsurance







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R





Racketeer Influenced and Corrupt Organizations (RICO) Act of 1970





RACM





radiological weapon





radius class





radius of operations





railroad protective liability





railroad sidetrack agreement





rainmaker





ratable losses





rate





rate basis





rated insurer





rate discrimination





rate making





rate manual





rate of natural change





rate on line (ROL)





rating





rating bureau





rating class





rating experience





rating methodology





RBNE





RCRA





readjustment income





real estate brokers errors and omissions





real property





reasonable accommodation





reasonable repairs





reasonably available control technology (RACT)





rebate





rebating





recapture





reciprocal





reciprocal insurance





reciprocity





recision





recurrent disability





recurring clause





redact





redlining





redomiciling





reduced paid-up insurance





refund annuity





registered agent





registered mail coverage





Registered Professional Liability Underwriter (RPLU)





registers





regression analysis





regulated asbestos-containing material (RACM)





regulated medical waste





Regulation 114 trust





regulatory agency exclusion





regulatory estoppel





rehabilitation management





reimbursement policies





reinstatement





reinstatement premium





reinsurance





reinsurance agreement





reinsurance assumed





reinsurance captive





reinsurance ceded





reinsurance commission





reinsurance confirmation





reinsurance credit





reinsurance/hedging strategy optimization





reinsurance intermediaries





reinsurance pool





reinsurance premium





reinsurance recoverable





reinsurance sidecar





reinsurance treaty





reinsurance wheel





reinsured





reinsurer





reinsurer's margin





related claims provisions





related person insurance income (RPII)





related product liability exclusion





related risk





release





relief well coverage





remedial action (RA)





remedial design





remedial investigation





remedial project manager (RPM)





remedial response





remediation





remediation cost cap policy





remuneration





renewable term





renewal certificate





renewal policy





rent-a-captive





rental captive





rental cost reimbursement (cost of hire) endorsement





rents or rental value insurance





repatriation





repatriation of dividends insurance





replacement cost coverage





reportable quantity (RQ)





reported losses





reporting form coverage





reporting lag





repossessed autos endorsement





representation





representations and warranties insurance





reproduction cost





request for proposal (RFP)





Research and Special Programs Administration (RSPA)





reservation of rights





reserve





reserved but not enough (RBNE)





residence employee: homeowners policy





resident agent





residential wrap-up





residual market





residual market load (RML)





residual market loading





residual value insurance





res ipsa loquitur





res judicata





Resource Conservation and Recovery Act (RCRA)





respondeat superior





response action





restitution of fees





results standards





resumption plan





retail agent





retaliation claims





retaliatory law





retaliatory suits





retention





retention ability





retention plan





retirement annuity





retirement income policy





retraction provisions





retroactive conversion





retroactive date





retroactive insurance





retrocedent





retrocession





retrocessionaire





retrocessional pools





retrospective aggregates





retrospective rating





return of premium (or cash value)





return of professional fees exclusion





return of remuneration exclusion





return on equity (ROE)





return on risk-adjusted capital (RORAC)





return premium





return-to-work program





reverse flow business





reversionary





RICO





rider





riggers liability insurance





right of offset





right of recourse provision





Right to Repair Law





RIMS





rip and tear coverage





risk





risk-adjusted return on capital (RAROC)





risk-adjusted return on risk-adjusted capital (RARORAC)





risk-adjustment investment (capital)





Risk and Insurance Management Society (RIMS)





risk appetite





risk assumption





risk-based capital (RBC) requirements





risk capital





risk charge





risk concentration





risk control





risk dashboard





risk distribution





risk financing





risk gap





risk identification





risk index





risk management





risk management information system (RMIS)





risk management process





risk management techniques





risk manager





risk map/mapping





risk pool





risk prioritization





risk profile





risk purchasing group (RPG)





risk quantification





risk reduction





risk retention





Risk Retention Act (RRA)





risk retention group (RRG)





risk securitization





risk sharing





risk shifting





risk smoothing





risk tolerance





risk types





risk volatility





RMIS





road rage





robbery





robbery and safe burglary coverage, money and securities form Q





robbery and safe burglary coverage, other than money and securities form D





rolling policy limits





rolling wrap-up





Rule 11 sanctions





running down clause





runoff







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S





safe burglary insurance





safe deposit box coverage





safe depository coverage





Saffir-Simpson scale





sale bond





sales





salesmen's samples coverage





saline substances contamination endorsement





salvage





salvage value





Sarbanes-Oxley Act (SARBOX, SOX, SOx)





schedule





schedule bond





scheduled limits





scheduled loss





"Schedule P" reserve





schedule rating





school board legal liability insurance





school board liability coverage





screening clients/cases





Sears, Roebuck Co. v. Commissioner





seasonal risk





secondary beneficiary





secondary classification—special industry class





second surplus reinsurance





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 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





separate account





sequential-cause situation





service fulfillment insurance





servicing contractors rider





settlement lag





settlement options





severability of exclusions





severability of interests clause





severability provision in D&O applications





several liability





severity





sexual abuse exclusion





sexual harassment





share reinsurance





share repurchases





Sharpe ratio





shortfall risk





short-rate cancellation





shrinking limits defense provision





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-entry, multichannel interface (SEMCI)





single interest insurance





single-owner captive





single-parent captive





single premium insurance





single state registration system (SSRS)





sinkhole collapse





SIR





sistership liability exclusion





size class





slabbed





slander





sleep insurance





sliding scale





sliding scale commission





sliding scale dividend





slip





small quantity generator





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 damages





special employer





special investigative unit (SIU)





special litigation committee (SLC)





special mobile equipment





special or specialty risks





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 perils coverage





speculative risk





speed to market





split dollar plans





sponsor





sponsored captive





spousal coverage





spousal coverage extension





spread loss reinsurance





spread of risk





spread sectors





sprinkler leakage coverage





SR-22





SSRS





stabilization reserve





stacking





staff model HMO





stair stepping





stamp duty





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 Emergency Response Commission (SERC)





state funds





State Implementation Plans (SIP)





statement blank





static risk modeling





statistical method





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





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





subbroker





subcontractor default insurance





subcontractor exception





subguard insurance





subject business





subjective symptoms





subject of insurance





subject policies





subject premium





sublimit





submission





Subpart F income





subpoena





subpoena duces tecum





subrogation





subrogation provision





subrogation release





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 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





syndicate





system safety approach





systems performance insurance







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10/10 Rule





T3 Lloyd's Form





tail





tail coverage





Tail Value at Risk (Tail VaR) or Tail Conditional Expectation (TCE)





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)





Technical and Miscellaneous Revenue Act of 1988 (TAMRA)





technique of operations review (TOR) system





technology errors and omissions insurance (Tech E&O)





telecommuting





telemedicine





Telephone Consumer Protection Act of 1991 (TCPA)





temporary partial disability





temporary total disability





tender of defense





tender offer defense expense





terminal coverage





terminal operator





termination





term life insurance





terrorism





terrorism endorsement





terrorism insurance





Terrorism Risk Insurance Act (TRIA)





Terrorism Risk Insurance Extension Act (TRIEA)





tertiary beneficiary





testing coverage





test modifier





that particular part





theft, disappearance, and destruction of money and securities coverage form
C





thermal pollution





third party





third-party administrator (TPA)





third-party claims





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 tort





tradable risk





trade disruption insurance





trade dress





trade libel





trading loss coverage





trailer interchange insurance





tranche





transfer of risk





transfer pricing





transit coverage





transitional duties





transportation expenses





travel agents E&O insurance





travel insurance





treaty





treaty reinsurance





trend analysis





trend factor





trespasser





trial court





trip lease





trip permit





trip transit insurance





triple excess coverage





triple trigger theory





truckers downtime insurance





truckers policy





truckload (TL)





trust agreement





trust department errors and omissions (E&O) coverage





trustee





trust fund





twisting







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U





uberrimae fidae





ultimate loss





ultimate net loss





umbrella liability policy





unaffiliated business





unallocated benefit





unallocated loss adjustment expenses (ULAE)





unauthorized insurer





unbundling





unconditional settlement clause





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 hardship





unearned premium (UEP)





unearned premium reserve





unearned reinsurance premium





unfunded retention





unfunded self-insurance





Unified Carrier Registration Agreement (UCRA)





uniform resource locator (URL)





Uniform Task Based Management System (UTBMS)





Uniformed Services Employment and Reemployment Rights Act (USERRA) of 1994





unilateral contract





unilateral extended reporting period provision





unimpaired surplus





uninsured motorist (UM) coverage





unit statistical card





universal life insurance





unplanned retention





unrelated business





unrelated business income tax (UBIT)





unrelated risk





unreported claims





unseaworthiness





unusual expenses





upset coverage





URL





use and occupancy insurance





U.S. Longshore and Harbor Workers Compensation Act





utility service interruption coverage





utilization review







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vacancy permit endorsement





vacancy provision





valuable papers and records coverage





valuation





valuation date





value-added services





value-at-risk (VAR)





valued business interruption coverage





valued coverage





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)





vis major





vocational rehabilitation





void





voidable





voluntary compensation endorsement





voluntary compensation maritime coverage endorsement





Voluntary Employees' Beneficiary Association (VEBA)





voluntary market





voluntary reserve





Voluntary Protection Program (VPP)





Volunteer Protection Act of 1997





voyage clause







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W





WA





WA 3%





wage & hour claims





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)





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 statutes





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





work hardening





workers compensation





workers compensation and employers liability policy





workers compensation catastrophe cover





working layer





workmanship exclusion





workplace tort





workplace violence insurance





worldwide insurance program





wrap-around policy





wrap-around risk financing program





wrap-up





wrap-up exclusion endorsement





writ





write





written premium





wrongful act





wrongful death claim





wrongful termination







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Y





Year 2000 (Y2K) exclusion





Yellow Book





York Antwerp Rules







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Z





zero-beta asset





Z-list





zone rating





zone system






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