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Common terms from your policies — short definitions, examples, and which coverages they relate to.
18 terms
This coverage applies to certain damage to premises rented to the insured, often with a separate general liability limit.
Damage to Premises Rented to You is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with General Liability. For business insurance customers, understanding Damage to Premises Rented to You can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Damage to Premises Rented to You depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Data breach response coverage helps pay for notification, credit monitoring, forensic investigation, legal guidance, and other breach-related expenses.
Data Breach Response is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Cyber Liability. For business insurance customers, understanding Data Breach Response can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Data Breach Response depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Dealer open lot coverage insures vehicles held for sale by auto dealers, subject to weather, theft, and location conditions.
Dealer Open Lot Coverage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Garage, Auto Dealers. For business insurance customers, understanding Dealer Open Lot Coverage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Dealer Open Lot Coverage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Debris removal coverage helps pay to remove debris of covered property after a covered loss, subject to limits.
Debris Removal is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Property Insurance, Commercial Property, Homeowners. For personal insurance customers, understanding Debris Removal can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Debris Removal depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A declarations page summarizes the policyholder, policy period, covered property or vehicles, coverages, limits, deductibles, endorsements, and premium.
Declarations Page is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with All Insurance Types. For business insurance customers, understanding Declarations Page can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Declarations Page depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
A deductible is the amount the insured pays or absorbs before insurance applies to a covered loss.
Deductible is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Auto, Homeowners, Renters, Condo, Commercial Property, Health. For benefits insurance customers, understanding Deductible can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Deductible depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Defense costs are legal fees and expenses incurred to defend a covered claim or lawsuit.
Defense Costs is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Liability, Professional Liability, D&O. For business insurance customers, understanding Defense Costs can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Defense Costs depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Defense inside the limits means defense costs reduce the available limit of insurance.
Defense Inside the Limits is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Professional Liability, D&O, Cyber. For business insurance customers, understanding Defense Inside the Limits can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Defense Inside the Limits depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Defense outside the limits means covered defense costs are paid in addition to the policy limit.
Defense Outside the Limits is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with General Liability, Some Liability Policies. For business insurance customers, understanding Defense Outside the Limits can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Defense Outside the Limits depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Depreciation is the decrease in property value due to age, wear, condition, obsolescence, or useful life.
Depreciation is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Property Insurance, Auto, Inland Marine. For powersports insurance customers, understanding Depreciation can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Depreciation depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Diminished value is the reduction in a vehicle's market value after damage and repair; coverage depends on policy and law.
Diminished Value is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Auto, Commercial Auto. For business insurance customers, understanding Diminished Value can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Diminished Value depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Directors and officers liability covers claims alleging wrongful acts in organizational management, governance, or fiduciary decision-making.
Directors and Officers Liability is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with D&O, Nonprofit, Private Company. For business insurance customers, understanding Directors and Officers Liability can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Directors and Officers Liability depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Disability insurance replaces part of income if the insured cannot work because of a covered illness or injury.
Disability Insurance is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Disability, Employee Benefits. For benefits insurance customers, understanding Disability Insurance can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Disability Insurance depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Dog bite liability involves injury caused by a dog and may be covered, limited, or excluded depending on policy and law.
Dog Bite Liability is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners, Renters, Umbrella. For personal insurance customers, understanding Dog Bite Liability can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Dog Bite Liability depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Drive other car coverage can provide personal auto-like coverage for individuals who use company vehicles but do not own personal autos.
Drive Other Car Coverage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Commercial Auto. For business insurance customers, understanding Drive Other Car Coverage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Drive Other Car Coverage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Duties after loss are the insured's required actions after a claim, such as giving notice, protecting property, documenting damage, and cooperating.
Duties After Loss is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Property, Auto, Liability. For business insurance customers, understanding Duties After Loss can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Duties After Loss depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Duty to defend is the insurer's obligation to provide or pay for legal defense when a claim potentially falls within coverage.
Duty to Defend is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Liability, Auto, Homeowners, General Liability. For personal insurance customers, understanding Duty to Defend can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Duty to Defend depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
Dwelling coverage insures the structure of a home and attached structures against covered causes of loss.
Dwelling Coverage is an important insurance concept because it can affect how coverage is selected, priced, interpreted, or applied at claim time. In practical terms, it helps explain what the policy may do, what the insured may be responsible for, or how the insurance company may evaluate a covered situation. This term is commonly associated with Homeowners, Dwelling Fire. For personal insurance customers, understanding Dwelling Coverage can make it easier to compare policies, ask better questions, avoid coverage gaps, and understand what may happen before, during, or after a claim. The exact impact of Dwelling Coverage depends on the policy form, endorsements, limits, deductibles, exclusions, state law, and the facts of the loss or account.
