General Terms
General Terms
Accident Accident Forgiveness Actual Cash Value Actuary Adjuster Agent Aggregate Appraisal Beneficiary Binder Broker Claim Claimant Coverage Deductible Depreciation Endorsement Exclusion Indemnity Insurance Insured Insurer Liability Limit Loss Loss Ratio Mortgagee Peril Policy Policy Limit Policyholder Premium Property Rate Reinsurance Replacement Cost Rider Risk Subrogation Surcharge Umbrella Policy Underinsured Underwriter Underwriting Uninsured
Auto Insurance
General Terms
Accident Forgiveness Assigned Risk Bodily Injury Liability Collision Comprehensive Diminished Value Gap Insurance Medical Payments Medical Payments (MedPay) Medical Payments Coverage No-Fault Insurance Personal Injury Protection (PIP) PIP (Personal Injury Protection) Property Damage Liability Rental Reimbursement Rental Reimbursement Coverage SR-22 Total Loss Towing And Labor Coverage Towing Coverage Transportation Expense Coverage Underinsured Motorist Coverage Uninsured Motorist Uninsured Motorist Coverage VIN (Vehicle Identification Number) WAIVED
Business Insurance
General Terms
Boiler And Machinery Insurance Business Auto Insurance Business Continuity Insurance Business Interruption Insurance Business Owner's Policy (BOP) Commercial Auto Insurance Commercial General Liability Commercial Property Insurance Cyber Liability Insurance Directors And Officers Insurance Employment Practices Liability Employment Practices Liability Insurance Errors And Omissions Insurance Fidelity Bond Fidelity Bond Insurance General Liability Insurance Inland Marine Insurance Key Person Insurance Product Liability Insurance Professional Liability Insurance Workers' Compensation Workers' Compensation Insurance
Directors And Officers Liability Insurance
Claim Expenses Defense Costs Derivative Lawsuit Duty To Defend Entity Coverage Fiduciary Duty Insured Versus Insured Exclusion Non-Indemnifiable Losses Prior Acts Coverage Retention Securities Litigation Severability Severability Provision Side A Coverage Side B Coverage Side C Coverage Wrongful Act Wrongful Acts
General Liability Insurance
Additional Insured Completed Operations Completed Operations Liability Contractual Liability Incidental Malpractice Coverage Independent Contractor Liability Limits Of Liability Liquor Liability Medical Payments Coverage Occurrence Personal And Advertising Injury Pollution Liability Premises Liability Products Liability Waiver Of Subrogation
Professional Liability Insurance (Errors & Omissions)
Consultant Insurance Design Professional Insurance E&O Insurance Error Insurance Errors And Omissions Insurance IT Professional Insurance Legal Malpractice Insurance Malpractice Insurance Negligence Insurance Professional Indemnity Insurance Professional Liability Claims Professional Liability Coverage Professional Liability Insurance Professional Liability Policy Professional Liability Risk Service Errors Insurance
Workers' Compensation Insurance
Compensable Injury Exclusive Remedy Experience Modification Factor Experience Modification Rate Impairment Rating Loss Time Maximum Medical Improvement Notice Of Injury Occupational Disease Permanent Partial Disability Reserve Return-to-Work Program Second Injury Fund Subrogation Temporary Total Disability
Disability Insurance
General Terms
Any-occupation Any-Occupation Policy Disability Insurance Rider Elimination Period Future Increase Option Guaranteed Renewable Impairment Benefits Long-Term Disability (LTD) Non-Cancelable Overhead Expense Insurance Own-occupation Own-Occupation Policy Partial Disability Pre-existing Condition Presumptive Disability Recurrent Disability Residual Disability Return Of Premium Social Security Disability Insurance (SSDI) Supplemental Disability Insurance Total Disability Waiver Of Premium
Long-Term Disability Insurance
Any-occupation Any-Occupation Policy Disability Insurance Rider Elimination Period Future Increase Option Guaranteed Renewable Impairment Benefits Non-Cancelable Overhead Expense Insurance Own-occupation Own-Occupation Policy Partial Disability Pre-existing Condition Presumptive Disability Recurrent Disability Residual Disability Return Of Premium Social Security Disability Insurance (SSDI) Supplemental Disability Insurance Total Disability Waiver Of Premium
Short-Term Disability Insurance
Accident Benefit Accident Benefits Any-occupation Rider Day One Coverage Family Leave Insurance Maternity Leave Insurance Maximum Benefit Period Own-occupation Rider Paid Family Leave (PFL) Presumptive Disability Rehabilitation Benefit Short-Term Disability (STD) Insurance Sickness And Accident Insurance Sickness Benefit Sickness Benefits State Disability Insurance (SDI) Survivor Benefit Temporary Disability Insurance Weekly Benefit Amount Weekly Indemnity Benefits
Health Insurance
General Terms
Benefit Co-Payment Coinsurance Copayment Deductible Durable Medical Equipment (DME) Flexible Spending Account (FSA) Formulary Health Insurance Health Insurance Marketplace Health Maintenance Organization (HMO) Health Reimbursement Arrangement (HRA) Health Savings Account (HSA) Healthcare.gov Medicaid Medicare Medigap Network Open Enrollment Period Out-of-Pocket Maximum Pre-existing Condition Preferred Provider Organization (PPO) Premium Preventive Care Primary Care Physician (PCP) Provider Network Special Enrollment Period
Dental Insurance
Annual Maximum Benefit Cosmetic Dentistry Dental Bridges Dental Cleaning Dental Crowns Dental EPO Dental HMO Dental Implants Dental PPO Dental Savings Account (DSA) Dental Sealants Dental X-rays Endodontics Fluoride Treatment Orthodontic Coverage Orthodontics Periodontics Preauthorization Preventive Dental Care Prophylaxis Prosthodontics Root Canal Root Canal Therapy Sealants Waiting Period
Mental Health Insurance
Behavioral Health Behavioral Health Coverage Behavioral Health Services Copayments For Mental Health Services Counseling Services In-network Mental Health Providers Intensive Outpatient Programs Medication Management Mental Health Counseling Sessions Limit Mental Health Coverage Evaluation Mental Health Parity Out-of-Network Coverage For Mental Health Care Out-of-network Mental Health Coverage Out-of-network Mental Health Providers Prior Authorization For Mental Health Services Prior Authorization For Mental Health Treatment Psychiatric Evaluation Psychological Testing Rehabilitation Services Substance Abuse Treatment Telepsychiatry Telepsychiatry Services Therapy Session Limits Therapy Sessions
Standard Health Insurance
Benefit Co-Payment Coinsurance Copayment Deductible Durable Medical Equipment (DME) Flexible Spending Account (FSA) Formulary Health Insurance Marketplace Health Maintenance Organization (HMO) Health Reimbursement Arrangement (HRA) Health Savings Account (HSA) Healthcare.gov Medicaid Medicare Medigap Network Open Enrollment Period Out-of-Pocket Maximum Pre-existing Condition Preferred Provider Organization (PPO) Premium Preventive Care Primary Care Physician (PCP) Provider Network Special Enrollment Period
Supplemental Health Insurance
Accident Insurance Catastrophic Insurance Critical Illness Insurance Dental Insurance Disability Insurance Guaranteed Renewable Hearing Aid Coverage Hospital Indemnity Insurance Income Protection Insurance Long-Term Care Insurance Medicare Advantage Medigap Prescription Drug Coverage Short-Term Disability Insurance Travel Health Insurance Vision Insurance
Vision Insurance
Contact Lenses Eyecare Coverage Eyeglass Frames Eyeglasses Frames LASIK Surgery Lasik Surgery Coverage Lens Options Optical Services Routine Eye Exams Vision Benefits Vision Care Vision Care Benefit Vision Correction Surgery Vision Coverage Vision Discount Plans Vision Exam Vision Network Vision Plan Vision Provider Network
Homeowners Insurance
General Terms
Actual Cash Value Actual Cash Value Coverage Additional Living Expenses Dwelling Coverage Guaranteed Replacement Cost Guest Medical Protection Home Business Insurance Home Inventory Homeowners Association Homeowners Insurance Inflation Protection Liability Coverage Loss Assessment Coverage Loss Of Use Medical Payments Medical Payments Coverage Personal Liability Personal Liability Umbrella Policy Personal Property Property Damage Replacement Cost Scheduled Personal Property Water Backup Coverage
Condo Insurance
Appurtenant Structures Condo Association Condo Loss Assessment Coverage Condo Master Policy Contingent Coverage Improvements And Betterments Loss Assessment Coverage Master Policy Single Entity Coverage Special Assessment Coverage Unit Alterations Unit Owners Assessment Coverage Unit Owners Coverage Unit Owners Policy Wall-In Coverage
Renters Insurance
Contents Insurance Landlord Insurance Rental Property Insurance Rental Unit Insurance Renter's Additional Living Expenses Renter's Liability Renter's Liability Coverage Renter's Personal Property Coverage Renters Inflation Protection Renters Insurance Renters Liability Umbrella Policy Renters Policy Renters Scheduled Personal Property Tenant's Insurance
Standard Homeowners Insurance
Actual Cash Value Actual Cash Value Coverage Additional Living Expenses Dwelling Coverage Guaranteed Replacement Cost Guest Medical Protection Home Business Insurance Home Inventory Homeowners Association Inflation Protection Liability Coverage Loss Assessment Coverage Loss Of Use Medical Payments Medical Payments Coverage Personal Liability Personal Liability Umbrella Policy Personal Property Property Damage Replacement Cost Scheduled Personal Property Water Backup Coverage
Life Insurance
General Terms
Annuity Appraisal Beneficiary Cash Value Convertible Term Life Insurance Death Benefit Estate Planning Face Amount Final Expenses Life Insurance Mortgagee Permanent Life Insurance Policyholder Reinsurance Renewable Term Life Insurance Rider Subrogation Term Life Insurance Umbrella Policy Universal Life Insurance Variable Life Insurance Whole Life Insurance
Variable Life Insurance
Asset Allocation Cash Value Investment Options Death Benefit Options Equity-Indexed Annuities Investment Options Investment Risk Market Performance Market Risk Mutual Funds Policy Guarantees Policy Value Premium Payments Prospectus Separate Account Surrender Charges Variable Annuities Variable Investment Options Variable Life Insurance Variable Premiums
Long-Term Care Insurance
General Terms
Activities Of Daily Living (ADL) Activities Of Daily Living (ADLs) Assisted Living Facility Benefit Period Care Plan Caregiver Support Services Chronic Illness Cognitive Impairment Daily Benefit Daily Benefit Amount Elimination Period Home Health Care Inflation Protection Long-Term Care Long-Term Care Insurance (LTC) Nursing Home Care Respite Care Skilled Nursing Care Standby Assistance Supplemental LTC Insurance Terminal Illness Benefit Waiting Period Waiver Of Premium
Hybrid Long-Term Care Insurance
Accelerated Death Benefit Acceleration Rider Cash Surrender Value Chronic Illness Benefit Death Benefit Hybrid Long-Term Care Insurance Linked Benefit LTC Benefit Pool Return Of Premium Single Premium Payment Stand-Alone LTC Insurance Survivorship Benefit Terminal Illness Benefit Traditional Long-Term Care Insurance
Traditional Long-Term Care Insurance
Activities Of Daily Living (ADL) Activities Of Daily Living (ADLs) Assisted Living Facility Benefit Period Care Plan Chronic Illness Cognitive Impairment Daily Benefit Daily Benefit Amount Elimination Period Home Health Care Inflation Protection Nursing Home Care Respite Care Skilled Nursing Care Standby Assistance Terminal Illness Benefit Waiting Period Waiver Of Premium
Pet Insurance
General Terms
Accident-only Coverage Accident-Only Policy Alternative Therapy Coverage Annual Limit Behavioral Therapy Breed-Specific Conditions Breed-specific Coverage Chronic Condition Chronic Conditions Claim Form Co-insurance Congenital Condition Congenital Conditions Dental Coverage Hereditary Condition Hereditary Conditions Lifetime Coverage Lifetime Limit Microchip Implantation Pet Age Limit Pet Insurance Pet Owner Assistance Pre-existing Condition Preventive Care Routine Care Routine Care Coverage Waiting Period Wellness Coverage
Comprehensive Policies
Alternative Therapy Coverage Annual Limit Behavioral Therapy Breed-Specific Conditions Breed-specific Coverage Chronic Conditions Congenital Conditions Dental Coverage Hereditary Conditions Lifetime Coverage Lifetime Limit Microchip Implantation Pet Owner Assistance Preventive Care Routine Care Routine Care Coverage Wellness Coverage
Property Insurance
General Terms
Actual Cash Value Additional Living Expenses Dwelling Coverage Earthquake Insurance Fire Insurance Flood Insurance Guaranteed Replacement Cost Home Insurance Home Warranty Homeowners Insurance Loss Assessment Coverage Loss Of Use Loss Of Use Coverage Medical Payments Coverage Ordinance Or Law Coverage Personal Liability Coverage Personal Property Personal Property Coverage Renters Insurance Replacement Cost Scheduled Personal Property Title Insurance Water Damage Windstorm Insurance
Commercial Property Insurance
Boiler And Machinery Insurance Builders Risk Insurance Business Interruption Insurance Business Personal Property Business Personal Property Insurance Coinsurance Clause Commercial Auto Insurance Commercial General Liability Commercial Property Insurance Debris Removal Coverage Equipment Breakdown Insurance Extra Expense Coverage Inland Marine Insurance Insurance To Value Leasehold Interest Coverage Loss Prevention Services Ordinance Or Law Soft Costs Spoilage Coverage Tenant Improvements Coverage Tenant Occupied Property Tenants Improvements Insurance Vacancy Permit Valuable Papers Coverage
Landlord Insurance
Eviction Protection Fair Rental Value Coverage Landlord Contents Insurance Landlord Insurance Landlord Liability Insurance Landlord's Contents Coverage Liability Coverage For The Landlord Loss Of Rental Income Coverage Rent Default Insurance Rental Income Loss Coverage Rental Property Insurance Tenant Occupied Property Coverage Vandalism Coverage By Tenants
Travel Insurance
General Terms
Annual Travel Insurance Baggage Delay Cancel For Any Reason Emergency Evacuation Emergency Medical Coverage Evacuation Coverage Flight Accident Coverage Flight Accident Insurance Hazardous Activity Lost Luggage Missed Connection Pre-existing Condition Renters Insurance Repatriation Travel Advisory Travel Assistance Travel Document Protection Travel Insurance Quote Travel Medical Insurance Travel Supplier Default Trip Cancellation Trip Delay Trip Interruption
Emergency Evacuation Insurance
Emergency Evacuation Assistance Emergency Evacuation Coverage Emergency Evacuation Services Emergency Medical Evacuation Emergency Repatriation Emergency Transportation Emergency Travel Assistance Evacuation Coverage Evacuation Insurance Medical Evacuation Medical Evacuation Insurance Repatriation Of Remains Transportation To Nearest Adequate Medical Facility
Unemployment Insurance
General Terms
Base Period Benefit Year Claimant Continued Claim Eligibility Requirements Employer Taxes Extended Benefits Initial Claim Job Search Requirement Job Separation Job Service Job Training Programs Labor Market Information Monetary Determination Partial Unemployment Reemployment Assistance State Unemployment Insurance Unemployment Benefits Unemployment Compensation Unemployment Insurance Trust Fund Unemployment Rate Weekly Benefit Amount Work Search Requirement Workforce Development
Federal Programs
Alternative Base Period (ABP) Appeal Rights Continued Assistance Act (CAA) Emergency Unemployment Compensation (EUC) Federal Pandemic Unemployment Assistance (FPUA) Federal Pandemic Unemployment Compensation (FPUC) Federal Pandemic Unemployment Compensation (FPUS) Federal-State Extended Benefits Program Lost Wages Assistance (LWA) Mixed Earner Unemployment Compensation (MEUC) Nonmonetary Determination Overpayment Pandemic Emergency Unemployment Compensation (PEUC) Pandemic Unemployment Assistance (PUA) Payroll Tax Quarterly Wage Report Redetermination Reemployment Services Retroactive Certification Short-Time Compensation (STC) Trade Readjustment Allowances (TRA)
State Programs
Benefit Year Claimant Job Separation Job Training Program Job Training Programs Labor Market Information Layoff Aversion Program Rapid Response Team Reemployment Assistance Self-Employment Assistance Program State Reemployment Services Unemployment Insurance Integrity Program Unemployment Insurance Trust Fund Waiting Week Weekly Benefit Amount Work Search Log Work Sharing Program Workforce Development Workforce Development Agency