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CHAPTER PAGE 1 Hazard and Insurance
Casualty Insurance Policies
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accident and health administrative agent agreement applied assigned risk automobile insurance automobile liability average basic basis benefits bodily injury boiler burglary casualty insurance cause cent Chap claimant claims classification coinsurance compensation law comprehensive compulsory contract contributory negligence cost courts cover coverage deductible disability employer endorsement example excluded expense experience rating fact factor fire fund glass hazard health insurance home office hospital important indemnity individual risk industrial injuries insurer's insuring clause less liability insurance liability policy limit loss ratio manual ment moral hazard mutual NAIC negligence objective occupational disease omnibus clause open stock operation owner particularly payment persons power plant premises principal private passenger property damage liability property insurance protection provision pure premium rate-making reasons regulation reinsurance reserve responsibility result robbery safety schedule self-insurance standard statutes stock insurers theft tion underwriting usually worker workmen's compensation York