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Commercial Lines — Refers to insurance for businesses, professionals and commercial establishments. Loss Reserve — The estimated liability, as it would appear in an insurer's financial statement, for unpaid insurance claims or losses that have occurred as of a given evaluation date. Commercial Package Policy — Commercial risk insurance that covers more than one peril, such as commercial property, commercial crime, commercial and general liability. Property Insurance — Indemnifies an insured whose property is stolen, damaged, or destroyed by a covered peril. Bodily Injury Liability Coverage — Pays damages for bodily injury or death resulting from an accident for which the insured is at fault; also pays for a legal defense according to the limits and conditions of the policy.

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Arbitration — An alternative process of settling a dispute through an impartial party instead of litigation. Co-payment — A predetermined, flat fee an individual pays for healthcare services, in addition to what insurance covers. Insured — A person or organization covered by an insurance policy. Auto Insurance — A form of insurance that covers losses for which the insured is liable as a result of owning or operating an automobile. In health insurance, coinsurance is a percentage of each claim above the deductible paid by the policyholder. Universal Life Insurance — A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element like whole life insurance which is invested to provide a cash value buildup. Slot machine online kostenlos spielen kostenlos automaten spielen — An insurance-related term that describes a splitting or spreading of risk among multiple parties. For insurers that do provide cover for such activities, it is unlikely they will cover liability and personal accident. The policy does not build up any of the nonforfeiture values associated with Whole Life policies. Personal Injury Protection — Pays basic expenses for an insured and his or her family in states with no-fault Auto insurance. Insurable Interest — Interest in property such that loss or destruction of the property could cause a financial loss.



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