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This ratio measures the company's underlying profitability, or loss experience, on its total book of business. Personal Umbrella Policy — Coverage for losses above the limit of an underlying policy such as Homeowners or Auto insurance. Collision Insurance — Covers physical damage to an insured's automobile other than that covered under comprehensive insurance resulting from contact with another inanimate object. Common policy periods are one year, five years, 10 years or until the insured reaches age 65 or Insurance Attorney - An attorney who practices the law as it relates to insurance matters.

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Personal Property — Property that is not related to real estate, such as furniture or jewelry. Limit — The maximum amount of protection purchased by the insured for a specific coverage. 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. Cancellation — Termination of an insurance contract before the end of the policy period by the insured or insurer. Adjustable Life Insurance — Life insurance that gives the policyholder power to change the face amount, premium, coverage period or other features of the policy. Driver Training Discount — A discount for people who have taken a driver training course; not available in all states or for all individuals. General Liability Insurance — Insurance designed to protect business owners and operators from a wide variety of liability exposures. casino online with free bonus no deposit online games ohne anmeldung und download In property insurance, coverage lists perils insured against, properties covered, locations covered, individuals insured, and the limits of indemnification. Independent insurance adjusters are hired by insurance companies on an "as needed" basis and might work for several companies at the same time. Anti-Theft Device — A device that deters auto theft and may entitle the insured to an insurance premium discount. Stop Loss — Any provision in a policy designed to cut off an insurer's losses at a given point. Losses Incurred Pure Losses — Net paid losses during the current year plus the change in loss reserves since the prior year-end. Property Insurance — Indemnifies an insured whose property is stolen, damaged, or destroyed by a covered peril.

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