Coverage is provided for bodily injury liability. In addition, coverage is written to cover the negligence of the insured. Business and professional liability and personal injury are excluded.

Coverage is provided for bodily injury liability. In addition, coverage is written to cover the negligence of the insured. Business and professional liability and personal injury are excluded.

Coverage is provided for bodily injury liability. In addition, coverage is written to cover the negligence of the insured. Business and professional liability and personal injury are excluded.

Coverage is provided for bodily injury liability. In addition, coverage is written to cover the negligence of the insured. Business and professional liability and personal injury are excluded.

Proximate cause. Legal liability has to do with negligent damages to another party. Time element loss is a type of business income loss. Personal loss is a general term that is not applicable.

Proximate cause. Legal liability has to do with negligent damages to another party. Time element loss is a type of business income loss. Personal loss is a general term that is not applicable.

Proximate cause. Legal liability has to do with negligent damages to another party. Time element loss is a type of business income loss. Personal loss is a general term that is not applicable.

Proximate cause. Legal liability has to do with negligent damages to another party. Time element loss is a type of business income loss. Personal loss is a general term that is not applicable.

Supplemental costs are paid to the insured in addition to the policy's liability limits. Examples include: paying for an attorney and lost earnings for appearing in court. The other options A, C, and D are terms not associated with liability policies.

Supplemental costs are paid to the insured in addition to the policy's liability limits. Examples include: paying for an attorney and lost earnings for appearing in court. The other options A, C, and D are terms not associated with liability policies.

Supplemental costs are paid to the insured in addition to the policy's liability limits. Examples include: paying for an attorney and lost earnings for appearing in court. The other options A, C, and D are terms not associated with liability policies.

Supplemental costs are paid to the insured in addition to the policy's liability limits. Examples include: paying for an attorney and lost earnings for appearing in court. The other options A, C, and D are terms not associated with liability policies.

Michelle is not legally liable for damage caused by a windstorm to a living, healthy tree. The neighbor would need to seek relief under the "other than collision" section of his personal auto policy.

Michelle is not legally liable for damage caused by a windstorm to a living, healthy tree. The neighbor would need to seek relief under the "other than collision" section of his personal auto policy.

Michelle is not legally liable for damage caused by a windstorm to a living, healthy tree. The neighbor would need to seek relief under the "other than collision" section of his personal auto policy.

Michelle is not legally liable for damage caused by a windstorm to a living, healthy tree. The neighbor would need to seek relief under the "other than collision" section of his personal auto policy.

Hazard. A catastrophe causes sudden damage. A peril is a cause of loss. Risk is the uncertainty arising from the possible occurrence of given events that would result in a loss with no opportunity for gain.

Hazard. A catastrophe causes sudden damage. A peril is a cause of loss. Risk is the uncertainty arising from the possible occurrence of given events that would result in a loss with no opportunity for gain.

Hazard. A catastrophe causes sudden damage. A peril is a cause of loss. Risk is the uncertainty arising from the possible occurrence of given events that would result in a loss with no opportunity for gain.

Hazard. A catastrophe causes sudden damage. A peril is a cause of loss. Risk is the uncertainty arising from the possible occurrence of given events that would result in a loss with no opportunity for gain.

Deductible. Transfer of risk is transferring the risk to another party, such as an insurance company. Coinsurance requires you to carry coverage for a certain percentage of your property's value. Arbitration is when an independent third party settles a claim dispute.

Deductible. Transfer of risk is transferring the risk to another party, such as an insurance company. Coinsurance requires you to carry coverage for a certain percentage of your property's value. Arbitration is when an independent third party settles a claim dispute.

Deductible. Transfer of risk is transferring the risk to another party, such as an insurance company. Coinsurance requires you to carry coverage for a certain percentage of your property's value. Arbitration is when an independent third party settles a claim dispute.

Deductible. Transfer of risk is transferring the risk to another party, such as an insurance company. Coinsurance requires you to carry coverage for a certain percentage of your property's value. Arbitration is when an independent third party settles a claim dispute.

HO-4 policies are designed for those renting a dwelling. HO-3, HO-5, and HO-8 policy forms are intended for owner-occupied dwellings.

HO-4 policies are designed for those renting a dwelling. HO-3, HO-5, and HO-8 policy forms are intended for owner-occupied dwellings.

HO-4 policies are designed for those renting a dwelling. HO-3, HO-5, and HO-8 policy forms are intended for owner-occupied dwellings.

HO-4 policies are designed for those renting a dwelling. HO-3, HO-5, and HO-8 policy forms are intended for owner-occupied dwellings.

Compensatory (or Actual) damages reimburse a party for a loss sustained in order to make the party whole. Punitive damages are damages exceeding simple compensation and serve to punish the defendant. General damages are damages which exceed simple compensation and awarded to punish the defendant. Broad damages are not a particular type of legal damage.

Compensatory (or Actual) damages reimburse a party for a loss sustained in order to make the party whole. Punitive damages are damages exceeding simple compensation and serve to punish the defendant. General damages are damages which exceed simple compensation and awarded to punish the defendant. Broad damages are not a particular type of legal damage.

Compensatory (or Actual) damages reimburse a party for a loss sustained in order to make the party whole. Punitive damages are damages exceeding simple compensation and serve to punish the defendant. General damages are damages which exceed simple compensation and awarded to punish the defendant. Broad damages are not a particular type of legal damage.

Compensatory (or Actual) damages reimburse a party for a loss sustained in order to make the party whole. Punitive damages are damages exceeding simple compensation and serve to punish the defendant. General damages are damages which exceed simple compensation and awarded to punish the defendant. Broad damages are not a particular type of legal damage.

$800,000. The bodily injury award is $800,000 ($950,000 - $150,000 - the value of the property damaged Bentley) since Rex was supposed to carry a $250,000 BI limit on his auto but only carried $100,000. There is a coverage gap of $150,000 so that brings the BI claim payment to $650,000. Rex carried the required $100,000 PD limit on his auto, so the umbrella pays in full for it. $650,000 + $150,000 = $800,000.

$800,000. The bodily injury award is $800,000 ($950,000 - $150,000 - the value of the property damaged Bentley) since Rex was supposed to carry a $250,000 BI limit on his auto but only carried $100,000. There is a coverage gap of $150,000 so that brings the BI claim payment to $650,000. Rex carried the required $100,000 PD limit on his auto, so the umbrella pays in full for it. $650,000 + $150,000 = $800,000.

$800,000. The bodily injury award is $800,000 ($950,000 - $150,000 - the value of the property damaged Bentley) since Rex was supposed to carry a $250,000 BI limit on his auto but only carried $100,000. There is a coverage gap of $150,000 so that brings the BI claim payment to $650,000. Rex carried the required $100,000 PD limit on his auto, so the umbrella pays in full for it. $650,000 + $150,000 = $800,000.

$800,000. The bodily injury award is $800,000 ($950,000 - $150,000 - the value of the property damaged Bentley) since Rex was supposed to carry a $250,000 BI limit on his auto but only carried $100,000. There is a coverage gap of $150,000 so that brings the BI claim payment to $650,000. Rex carried the required $100,000 PD limit on his auto, so the umbrella pays in full for it. $650,000 + $150,000 = $800,000.

Comprehensive, also known as 'other than collision,' is the part of the policy that responds to damage from birds or animals. The collision portion of the policy responds to collisions that are not bird or animal-related. Medical payments pay for a medical expense, not physical damage to the auto. Likewise, liability pays for damage to another party, not the insured vehicle.

Comprehensive, also known as 'other than collision,' is the part of the policy that responds to damage from birds or animals. The collision portion of the policy responds to collisions that are not bird or animal-related. Medical payments pay for a medical expense, not physical damage to the auto. Likewise, liability pays for damage to another party, not the insured vehicle.

Comprehensive, also known as 'other than collision,' is the part of the policy that responds to damage from birds or animals. The collision portion of the policy responds to collisions that are not bird or animal-related. Medical payments pay for a medical expense, not physical damage to the auto. Likewise, liability pays for damage to another party, not the insured vehicle.

Comprehensive, also known as 'other than collision,' is the part of the policy that responds to damage from birds or animals. The collision portion of the policy responds to collisions that are not bird or animal-related. Medical payments pay for a medical expense, not physical damage to the auto. Likewise, liability pays for damage to another party, not the insured vehicle.

Moral hazard. Legal hazards could cause a loss due to legal issues. Morale hazard relates to a person's attitude about their belongings. Physical hazards are conditions, behaviors, or actions that contribute to a loss.

Moral hazard. Legal hazards could cause a loss due to legal issues. Morale hazard relates to a person's attitude about their belongings. Physical hazards are conditions, behaviors, or actions that contribute to a loss.

Moral hazard. Legal hazards could cause a loss due to legal issues. Morale hazard relates to a person's attitude about their belongings. Physical hazards are conditions, behaviors, or actions that contribute to a loss.

Moral hazard. Legal hazards could cause a loss due to legal issues. Morale hazard relates to a person's attitude about their belongings. Physical hazards are conditions, behaviors, or actions that contribute to a loss.

Falling objects are not a covered peril under a basic HO-1 policy form. A,B, and C are listed perils covered under the HO-1 policy form.

Falling objects are not a covered peril under a basic HO-1 policy form. A,B, and C are listed perils covered under the HO-1 policy form.

Falling objects are not a covered peril under a basic HO-1 policy form. A,B, and C are listed perils covered under the HO-1 policy form.

Falling objects are not a covered peril under a basic HO-1 policy form. A,B, and C are listed perils covered under the HO-1 policy form.

Weight of snow or ice is not a covered peril under a basic form DP-1.

Weight of snow or ice is not a covered peril under a basic form DP-1.

Weight of snow or ice is not a covered peril under a basic form DP-1.

Weight of snow or ice is not a covered peril under a basic form DP-1.

The medical or no-fault section of the pedestrian's personal auto policy will respond. Because Jenny's BOP and commercial auto policy were not endorsed to extend coverage to non-owned auto exposures, neither will respond. The bank had no contributing factors that led to the accident, and is therefore not negligent. If it were winter in Fargo, ND, for example, and the bank parking lot was covered in ice and contributed to the accident, the bank may be found negligent.

The medical or no-fault section of the pedestrian's personal auto policy will respond. Because Jenny's BOP and commercial auto policy were not endorsed to extend coverage to non-owned auto exposures, neither will respond. The bank had no contributing factors that led to the accident, and is therefore not negligent. If it were winter in Fargo, ND, for example, and the bank parking lot was covered in ice and contributed to the accident, the bank may be found negligent.

The medical or no-fault section of the pedestrian's personal auto policy will respond. Because Jenny's BOP and commercial auto policy were not endorsed to extend coverage to non-owned auto exposures, neither will respond. The bank had no contributing factors that led to the accident, and is therefore not negligent. If it were winter in Fargo, ND, for example, and the bank parking lot was covered in ice and contributed to the accident, the bank may be found negligent.

The medical or no-fault section of the pedestrian's personal auto policy will respond. Because Jenny's BOP and commercial auto policy were not endorsed to extend coverage to non-owned auto exposures, neither will respond. The bank had no contributing factors that led to the accident, and is therefore not negligent. If it were winter in Fargo, ND, for example, and the bank parking lot was covered in ice and contributed to the accident, the bank may be found negligent.

The property damage section of a commercial general liability policy will respond to the loss. Property damage means physical injury to tangible property, including the loss of use of property. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial Auto responds to commercial auto only.

The property damage section of a commercial general liability policy will respond to the loss. Property damage means physical injury to tangible property, including the loss of use of property. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial Auto responds to commercial auto only.

The property damage section of a commercial general liability policy will respond to the loss. Property damage means physical injury to tangible property, including the loss of use of property. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial Auto responds to commercial auto only.

The property damage section of a commercial general liability policy will respond to the loss. Property damage means physical injury to tangible property, including the loss of use of property. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial Auto responds to commercial auto only.

Personal property is covered worldwide. For example, if your personal property is stolen while on vacation in Italy, it is covered as if it were stolen from your home in the United States.

Personal property is covered worldwide. For example, if your personal property is stolen while on vacation in Italy, it is covered as if it were stolen from your home in the United States.

Personal property is covered worldwide. For example, if your personal property is stolen while on vacation in Italy, it is covered as if it were stolen from your home in the United States.

Personal property is covered worldwide. For example, if your personal property is stolen while on vacation in Italy, it is covered as if it were stolen from your home in the United States.

Commercial inland marine policies respond to theft of scheduled equipment. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial General Liability does not respond to property losses. Commercial Auto responds to commercial auto, not equipment.

Commercial inland marine policies respond to theft of scheduled equipment. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial General Liability does not respond to property losses. Commercial Auto responds to commercial auto, not equipment.

Commercial inland marine policies respond to theft of scheduled equipment. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial General Liability does not respond to property losses. Commercial Auto responds to commercial auto, not equipment.

Commercial inland marine policies respond to theft of scheduled equipment. Commercial inland marine policies respond to the theft of scheduled equipment. Commercial property responds to property losses at the business location only. Commercial General Liability does not respond to property losses. Commercial Auto responds to commercial auto, not equipment.

Warranty. Waiver of subrogation is giving up a right to recovery. Representation is a statement made on an application that the application is accurate to the best of the insured's knowledge.

Warranty. Waiver of subrogation is giving up a right to recovery. Representation is a statement made on an application that the application is accurate to the best of the insured's knowledge.

Warranty. Waiver of subrogation is giving up a right to recovery. Representation is a statement made on an application that the application is accurate to the best of the insured's knowledge.

Warranty. Waiver of subrogation is giving up a right to recovery. Representation is a statement made on an application that the application is accurate to the best of the insured's knowledge.

Theft is covered under an HO-3 policy. Earth movement, neglect, and war are all excluded.

Theft is covered under an HO-3 policy. Earth movement, neglect, and war are all excluded.

Theft is covered under an HO-3 policy. Earth movement, neglect, and war are all excluded.

Theft is covered under an HO-3 policy. Earth movement, neglect, and war are all excluded.

Cancelation. The insurance company has the right to cancel for nonpayment of premium. Non-renewal is when the insurance carrier sends out advance warning that they will no longer offer coverage, effective on the next renewal date. Punitive and comprehensive to not apply to this scenario.

Cancelation. The insurance company has the right to cancel for nonpayment of premium. Non-renewal is when the insurance carrier sends out advance warning that they will no longer offer coverage, effective on the next renewal date. Punitive and comprehensive to not apply to this scenario.

Cancelation. The insurance company has the right to cancel for nonpayment of premium. Non-renewal is when the insurance carrier sends out advance warning that they will no longer offer coverage, effective on the next renewal date. Punitive and comprehensive to not apply to this scenario.

Cancelation. The insurance company has the right to cancel for nonpayment of premium. Non-renewal is when the insurance carrier sends out advance warning that they will no longer offer coverage, effective on the next renewal date. Punitive and comprehensive to not apply to this scenario.

Proof of loss. Loss cost is a term used in determining a loss ratio. Policy record and supplementary do not apply.

Proof of loss. Loss cost is a term used in determining a loss ratio. Policy record and supplementary do not apply.

Proof of loss. Loss cost is a term used in determining a loss ratio. Policy record and supplementary do not apply.

Proof of loss. Loss cost is a term used in determining a loss ratio. Policy record and supplementary do not apply.

Subrogation. Proof of loss is a form filed with the insurance company after a loss. Declaration is the page of the policy with the insured's name, address, and coverage limits. Estoppel is when you go against what you previously stated.

Subrogation. Proof of loss is a form filed with the insurance company after a loss. Declaration is the page of the policy with the insured's name, address, and coverage limits. Estoppel is when you go against what you previously stated.

Subrogation. Proof of loss is a form filed with the insurance company after a loss. Declaration is the page of the policy with the insured's name, address, and coverage limits. Estoppel is when you go against what you previously stated.

Subrogation. Proof of loss is a form filed with the insurance company after a loss. Declaration is the page of the policy with the insured's name, address, and coverage limits. Estoppel is when you go against what you previously stated.

Proof of loss. A list of contents is often used to determine the amount of coverage needed. Conditions lists general requirements that the insured must meet. Declarations lists name, address, and coverage amounts.

Proof of loss. A list of contents is often used to determine the amount of coverage needed. Conditions lists general requirements that the insured must meet. Declarations lists name, address, and coverage amounts.

Proof of loss. A list of contents is often used to determine the amount of coverage needed. Conditions lists general requirements that the insured must meet. Declarations lists name, address, and coverage amounts.

Proof of loss. A list of contents is often used to determine the amount of coverage needed. Conditions lists general requirements that the insured must meet. Declarations lists name, address, and coverage amounts.

The declarations page lists the name and address of the named insured. Typically, states will declare the requirements that must be met for the coverage to be valid. The Exclusions section lists what is not covered under the policy. The Insuring Agreement is where the insurer agrees to certain conditions, like pay for claims.

The declarations page lists the name and address of the named insured. Typically, states will declare the requirements that must be met for the coverage to be valid. The Exclusions section lists what is not covered under the policy. The Insuring Agreement is where the insurer agrees to certain conditions, like pay for claims.

The declarations page lists the name and address of the named insured. Typically, states will declare the requirements that must be met for the coverage to be valid. The Exclusions section lists what is not covered under the policy. The Insuring Agreement is where the insurer agrees to certain conditions, like pay for claims.

The declarations page lists the name and address of the named insured. Typically, states will declare the requirements that must be met for the coverage to be valid. The Exclusions section lists what is not covered under the policy. The Insuring Agreement is where the insurer agrees to certain conditions, like pay for claims.

Insurance contracts are between an insured and an insurer.

Insurance contracts are between an insured and an insurer.

Insurance contracts are between an insured and an insurer.

Insurance contracts are between an insured and an insurer.

Advertising injury liability provides coverage for insured expenses, such as defense costs as well as damages if an insured is found liable for libel or slander. Loss of income is property coverage, not liability coverage. Professional liability coverage covers professionals like doctors, lawyers, architects, and others for errors caused while performing their occupation. There is no copyright infringement in this scenario.

Advertising injury liability provides coverage for insured expenses, such as defense costs as well as damages if an insured is found liable for libel or slander. Loss of income is property coverage, not liability coverage. Professional liability coverage covers professionals like doctors, lawyers, architects, and others for errors caused while performing their occupation. There is no copyright infringement in this scenario.

Advertising injury liability provides coverage for insured expenses, such as defense costs as well as damages if an insured is found liable for libel or slander. Loss of income is property coverage, not liability coverage. Professional liability coverage covers professionals like doctors, lawyers, architects, and others for errors caused while performing their occupation. There is no copyright infringement in this scenario.

Advertising injury liability provides coverage for insured expenses, such as defense costs as well as damages if an insured is found liable for libel or slander. Loss of income is property coverage, not liability coverage. Professional liability coverage covers professionals like doctors, lawyers, architects, and others for errors caused while performing their occupation. There is no copyright infringement in this scenario.

A personal auto policy pays up to $20 per day for 15 days for the loss of use of a covered auto.

A personal auto policy pays up to $20 per day for 15 days for the loss of use of a covered auto.

A personal auto policy pays up to $20 per day for 15 days for the loss of use of a covered auto.

A personal auto policy pays up to $20 per day for 15 days for the loss of use of a covered auto.

30 days

30 days

30 days

30 days

Workers' compensation. Group medical does not respond to work related injuries or sickness, nor does it pay lost wages. General liability pays for damage to another party when the insured is negligent. Loss of use is paid when you cannot use your vehicle.

Workers' compensation. Group medical does not respond to work related injuries or sickness, nor does it pay lost wages. General liability pays for damage to another party when the insured is negligent. Loss of use is paid when you cannot use your vehicle.

Workers' compensation. Group medical does not respond to work related injuries or sickness, nor does it pay lost wages. General liability pays for damage to another party when the insured is negligent. Loss of use is paid when you cannot use your vehicle.

Workers' compensation. Group medical does not respond to work related injuries or sickness, nor does it pay lost wages. General liability pays for damage to another party when the insured is negligent. Loss of use is paid when you cannot use your vehicle.

The agent's professional liability policy, aka the "errors and omissions policy." General liability and personal liability policies do not respond to professional liability claims. The mortgage company has no negligence in this situation and is not responsible.

The agent's professional liability policy, aka the "errors and omissions policy." General liability and personal liability policies do not respond to professional liability claims. The mortgage company has no negligence in this situation and is not responsible.

The agent's professional liability policy, aka the "errors and omissions policy." General liability and personal liability policies do not respond to professional liability claims. The mortgage company has no negligence in this situation and is not responsible.

The agent's professional liability policy, aka the "errors and omissions policy." General liability and personal liability policies do not respond to professional liability claims. The mortgage company has no negligence in this situation and is not responsible.