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Benefits include paid hospital expenses, medical expenses, surgical expenses and income payments. Whether at the Museum or through our Museum on-the-Go programs, our professional educators provide an exciting, hands-on learning experience for all children. Automobile Liability Insurance — Coverage if an insured is legally liable for bodily injury or property damage caused by a vehicle that the individual owns or operates. Policyholder — The person or entity listed on the policy declarations page. Insurance Institute of America IIA — An organization that develops programs and conducts national examinations in general insurance, risk management, management, adjusting, underwriting, auditing and loss control management.
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In types of insurance, such as Liability, an occurrence is distinguished from accident in that the loss does not have to be sudden and fortuitous but can result from continuous or repeated exposure that results in bodily injury or property damage. Pledges made by Federal civilian, postal and military donors during the campaign season September 1st to December 15th support eligible non-profit organizations that provide health and human service benefits throughout the world. If you are volunteering for Meals on Wheels, check with your employer to see if the company may offer a program to encourage volunteerism. Death Benefit — The limit of insurance or the amount of benefit that will be paid in the event of the death of a covered person. Extended Replacement Cost — This coverage pays a certain amount above the policy limit to replace a damaged home, generally percent or percent. Losses Incurred Pure Losses — Net paid losses during the current year plus the change in loss reserves since the prior year-end. Workplace Giving Employer Matching Gifts Companies often value and reward volunteer service by their employees. Occurrence — An event that results in an insured loss. Limit — The maximum amount of protection purchased by the insured for a specific coverage. Click here for more information on matching gifts. These types of drivers are desirable to insurance companies for their low-risk driving habits. Stay in the loop with eNews. Check out Apollo Insurance Services on Yelp. Stop Loss — Any provision in a policy designed to cut off an insurer's losses at a given point. Endorsement — A document, which is attached to the policy and modifies or changes the original policy in some way. Common policy periods are one year, five years, 10 years or until the insured reaches age 65 or Pays for damage to or theft of insured vehicle Liability: Limits of Liability — The amount specified in the policy up to which the insurance company will provide protection. The penalty is based on a percentage stated within the policy and the amount under reported.