There are three specifically that are often confused with each other, but are highly crucial in insurance litigation.
And to make it more befuddling, insurance companies each have their own definitions of those terms in their policies which they are supposed to follow.
But if you can lock in a slightly lower rate for 20 years, that would save you money over time.
In such a situation, if he backdates his policy to 6 months earlier, then he would be considered getting that policy at an age of 40.
(ATA) amount at risk amount subject analytic risk modeling method animal mortality insurance anniversary date anniversary rating date annual aggregate deductible annual statement annuitant annuity annuity certain annuity due answer anti-concurrent causation (ACC) language anti-concurrent cause (ACC) provision anti-indemnity statute anti-stacking provisions antitheft device antitrust liability apparent agency appeal application application of retention apportionment appraisal clause appraisers errors and omissions approval "A" rates arbitration arbitration clause architects and engineers (A&E) liability coverage asbestos asbestos abatement asbestos-containing material (ACM) asbestos program manager assessment company (society or insurer) asset allocation asset class asset risk asset share value assigned risk plan assignee assignment associate Associated General Contractors of America (AGC) Associate in Automation Management (AAM) Associate in Claims (AIC) Associate in Fidelity and Surety Bonding (AFSB) Associate in Information Technology (AIT) Associate in Insurance Accounting and Finance (AIAF) Associate in Insurance Services (AIS) Associate in Loss Control Management (ALCM) Associate in Management (AIM) Associate in Marine Insurance Management (AMIM) Associate in Personal Insurance (API) Associate in Premium Auditing (APA) Associate in Reinsurance (ARe) Associate in Research and Planning (ARP) Associate in Risk Management (ARM) Associate in Surplus Lines Insurance (ASLI) Associate in Underwriting (AU) Associateship of the Chartered Insurance Institute (ACII) associational discrimination association captive association group Association of Trial Lawyers of America (ATLA) association professional liability insurance assume assumed liability assumed premiums assumed reinsurance assumption assumption endorsement assumption of liability agreement assumption of liability endorsement (ALE) assumption of risk assumption of risk doctrine assurance as their interests may appear (ATIMA) at-risk construction management attachment basis attachment point attained age attorney/client communication attorney work product attractive nuisance doctrine A201 construction contract auction rate security (ARS) audit authorized nonadmitted reinsurer auto auto coverage symbols auto loan/lease gap coverage automatic additional insured endorsement automatic increase in insurance provision automatic insureds automatic premium loan automatic treaty automobile Automobile Claim Law Associate (ACLA) Automobile Claim Law Specialist (ACLS) automobile liability excess indemnity automobile liability insurance automobile physical damage insurance autonomous vehicle average basis average rate average severity average weekly wage (AWW) aviation accident insurance aviation hazard avoidance awareness provisions A B C D E F G H I J K L M N O P Q R S T U V W X Y Z backdated liability insurance back pay back-to-back deductible bad faith bailee bailee coverage balance balance billing bancassurance bank bank assurance bankers professional liability (BPL) insurance (BPLI) bankruptcy condition ban-the-box legislation bareboat charter bare walls coverage barratry Basel Committee on Banking Supervision base premium basic causes of loss form (ISO) basic extended reporting period (BERP) basic limits basic premium basic premium factor basic rate basis point(s) basis risk basket aggregate basket deductible basket retention batch clause beauty contest below-target-risk (BTR) BEN benchmarking bench-scale tests bench trial beneficiary benefits benefits payable exclusion best available control measures (BACM) best demonstrated available technology (BDAT) Best’s Capital Adequacy Ratio (BCAR) Best's rating betterment clause bid bond bid deducts bifurcation bikini deductible bilateral extended reporting period provision bill of lading binder bingo card program bingo stamp biological magnification biomechanical analysis bioremediation Bipartisan Campaign Reform Act of 2002 Black Lung Benefits Act of 1973 blackmail settlement clause blackout period blanket additional insured endorsement blanket contractual liability insurance blanket fidelity bond blanket group boiler and machinery coverage blanket limit blanket medical expense blanket policy blanket position bond blended finite risk blended risk blockchain technology blowout and cratering blowout prevention warranty Blue Book blue plan board committees boards and bureaus boatowners policy bobtail bobtail liability bodily injury (BI) bodily injury by accident limit (workers compensation) bodily injury by disease, each employee (workers compensation) bodily injury by disease—policy limit (workers compensation) boiler and machinery (BM) insurance boilerplate bond bonding book value boom coverage bordereau borderline risk Bornhuetter-Ferguson technique borrowed servant rule boutique law firm branch profits tax brand equity brand rehabilitation brands and labels endorsement breach breach of an employment contract breach of contract breach of warranty clause break point British business interruption coverage broadcasters liability broad causes of loss form (ISO) broad evidence rule broad form comprehensive general liability (BFCGL) endorsement broad form contractual liability insurance broad form drive other car coverage broad form hold harmless clause broad form named insured endorsement broad form pollution exclusion broad form property damage (BFPD) broker brokerage department brokerage market brother-sister relationship brownfield Brownian motion browse-wrap agreement buffer layer builders risk policy building and personal property coverage form (ISO) building codes effectiveness grading schedule (BCEGS) building construction categories (ISO) building information modeling (BIM) building ordinance coverage building rate bulk reserves bullying bumbershoot burden of proof burglary burning cost business auto policy (BAP) business continuity management (BCM) business continuity plan (BCP) business income coverage business income from dependent properties business income worksheet business interruption coverage business interruption worksheet business judgment rule business legal expense insurance businessowners policy (BOP) business risk business use class "but for" cause but for evidentiary standard (in employment discrimination cases) "but for" test buyback deductible buyers' market buyout settlement clause buy/sell agreement bystander claim A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Cable Communications Policy Act (CPPA) of 1984 calendar year experience cancelable cancel and rewrite cancellation candidate analysis canine liability exclusion cap capacity capital capital adequacy capital allocation Capital Asset Pricing Model (CAPM) capital at risk capital attribution capital markets capital stock capital stock company capital structure capital sum capitated fee captain of the ship doctrine captive captive agents captive facility Captive Insurance Companies Association (CICA) captive management company captive value added (CVA) care, custody, or control (CCC) cargo insurance Carmack Amendment Carriage of Goods by Sea Act (COGSA) of 1936 carrier carryover provision car sharing caselaw case management case reserve case reserves cash flow plans cash balance pension plans cash before cover cash call cash flow program cash flow return on investments (CFROI) cash flow underwriting cash refund annuity cash surrender value Casualty Claim Law Associate (CCLA) Casualty Claim Law Specialist (CCLS) casualty insurance catastrophe catastrophe bond catastrophe equity put catastrophe plan catastrophe policy catastrophe reinsurance catastrophe reserves catastrophic loss cat bond lite Category 3 water causes of loss causes of loss forms (ISO) cede ceded premiums cedent ceding commission ceding company cell captive Centers for Medicare and Medicaid Services (CMS) central collection point central tendency certificate holder certificate of compliance certificate of insurance certificate of reinsurance certified act of terrorism Certified Risk Manager (CRM) cession cession number cession statement cestui que vie channeling chaplain or priest malpractice charter Chartered Insurance Institute (CII) Chartered Life Underwriter (CLU) Chartered Property Casualty Underwriter (CPCU) charterers legal liability coverage chemical, biological, radiological, nuclear (CBRN) weapon Chemnet chief risk officer (CRO) Children's Online Privacy Protection Act (COPPA) of 1998 choice no-fault chronic toxicity chronological stabilization plans circumstance Civil Rights Act of 1991 claim claimant claim expense claims adjuster claims administrator claims audit claims cooperation clause claims leakage (CL) claims-made and reported policy claims-made and reported provision claims-made basis claims-made coverage trigger claims-made multiplier claims-made policy claims-made reinsurance claims-paid policy claims reserve clash cover class class action Class Action Fairness Act of 2005 classification classification limitation classified insurance class of business class I area Class 1 insureds class rating Class 2 insureds clause clawback provision Clean Air Act (CAA) of 1970 clean closure cleanup fund Clean Water Act (CWA) of 1972 clearance click-wrap agreement client company client employer climate change risk clinical patterns closed-loop recycling cloud computing coded excess codefendant coding coemployer coemployment coincidental excess coverage coinsurance hammer clause coinsurance provision coinsurer collapse additional coverage collapse: homeowners policy collar collateral collateral agreement collateral documents collateral estoppel collateralization of cash flow programs collateral source rule collateral value insurance collection commission collection fee collision damage waiver (CDW) collision insurance combination plan reinsurance combination policy combined additional coverage (CAC) combined ratio combined single limits comment period commercial appropriation commercial auto insurance coverage forms commercial crime policy commercial general liability (CGL) policy commercial insurer or reinsurer commercial lines Commercial Lines Manual (CLM) commercial multiple peril (CMP) policy commercial output policy (COP) commercial package policy commercial property conditions form (ISO) commercial property coverage forms (ISO) commercial property policy commercial property program commercial risks commercial waste management facility commission commissioner commissioners standard ordinary 1958 mortality table commissions of selling agents coverage Committee of Sponsoring Organizations (COSO) common accident common carrier common disaster common interest doctrine common law common law defenses common law liability common policy conditions communicable disease communicable diseases exclusion community property community rating Community Rating System (CRS) commutation commutation agreement commutation clause commutation rights comparative negligence compensable Compensated Intercorporate Hauling (CIH) compensating balance plan compensatory damages competitive bidding competitive state funds complaint completed operations complete retention Compliance, Safety, Accountability (CSA) score composite rating comprehensive auto coverage comprehensive auto liability (CAL) comprehensive boiler and machinery coverage Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) of 1980 comprehensive general liability (CGL) policy comprehensive personal liability comprehensive 3-D policy compulsory insurance compulsory insurance requirements (international insurance) computer crime insurance computer fraud coverage form computer software design errors and omissions computer virus computer worm concealment concurrency concurrent causation concurrent cause concurrent insurance conditional binding receipt conditionally renewable conditional payment clause conditional vesting conditions condominium association coverage form (ISO) confidence intervals (levels) confiscation, expropriation, nationalization (CEN), and deprivation (CEND) insurance conflict of laws connected vehicle Consensus DOCS consent judgment consent to settlement clause consequential bodily injury suits consequential damages consequential loss conservator consideration consolidated insurance program (CIP) Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 consolidation constructibility review construction ban construction categories construction defect construction management (CM) construction management agency construction management at-risk construction management professional liability insurance Construction Risk and Insurance Specialist (CRIS®) constructive discharge constructive notice constructive total loss contents rate contestable clause contingency fee contingency plan contingency planning contingency reserve contingent annuitant contingent beneficiary contingent business interruption insurance contingent commission contingent extra expense insurance contingent insurance contingent liability contingent liability from operation of building codes continuance continuation of coverage in bankruptcy provision continuing undertaking rule continuous contract continuous injury trigger continuous treatment rule contract contract attorney contract bond contract carrier contract certainty contract of adhesion contractor controlled insurance program (CCIP) contractors all risks (CAR) insurance contractors environmental liability (CEL) insurance contractor's limitation endorsement contractors professional liability insurance contractors rework coverage contract ratification indemnity contract repudiation indemnity contractual liability contractual liability insurance contractual risk transfer contra proferentem rule contributing excess contribution contribution by equal shares contribution by limits contributory negligence controlled foreign corporation (CFC) controlled insurance program (CIP) controlled master insurance program controlled unrelated business controlling Controlling the Assault of Non-Solicited Pornography and Marketing (CAN-SPAM) Act of 2003 control technique guidelines (CTG) conventional subrogation convention blank convention statement convergence convergence (of the capital and insurance markets) converted losses convertible Cooke ratio cooperation clause cooperative controlled insurance program (CO-CIP) cooperative insurance Coordinated Advertising, Rate and Form Review Authority (CARFRA) coordination of coverage COPE core capital corporate counsel corporate governance corporate override agreement corporate reimbursement coverage corporation correlation/uncorrelation corridor deductible corridor self-insured retention cost and freight (C and F) cost, insurance, and freight (CIF) cost of debt cost of hire endorsement cost of risk cost of suit coverage cost of well control co-surety counseling liability counsel selection provision counterclaim counterparty countersignature coupon interest course of employment courthouse steps settlement court reporter covariance covenant not to execute covenant not to sue covenants, conditions, and restrictions (CC&R) cover coverage coverage form coverage trigger covered auto designation symbols cover note cradle-to-grave or manifest system credentialing liability credibility credit carry-forward credit default swap credit for reinsurance credit insurance credit life insurance credit report credit risk credit wrap crisis crisis management approach crisis management coverage crisis management plan criteria pollutant critical recommendation criticism crop-hail insurance cross-complainant cross-complaint cross-defendant cross-indemnity agreement cross-liability coverage cross-liability endorsement cross purchase crowdfunding Cumis counsel cumulative collusive excess cover cumulative injury current disbursement current service benefit custom bond customer's auto cutoff cut through clause cut through endorsement cyber and privacy insurance cyberextortion cyberextortion coverage cyberspace liability A B C D E F G H I J K L M N O P Q R S T U V W X Y Z daily reports damages "damages reduction" provision "damage to premises rented to you" damage to rented premises liability coverage--garages endorsement data processing coverage data processors errors and omissions coverage date of issue deadheading dealers driveaway collision death benefit Death on the High Seas Act (DOHSA) of 1920 death rate debit agent debit life insurance debit system debris removal decennial liability declarations declaratory judgment declassification declination deductible deductible, annual aggregate deductible plan deductible reduction incentive provisions deemer period deemers defamation default default insurance defeasance defendant Defense Base Act defense clause defense costs endorsements defense-only coverage defense within limits deferred acquisition cost (DAC) deferred group annuity deferred payment merchandise deferred premiums deferred tax asset deficit carry-forward or carry-back defined benefit plan defined contribution plan delay clause delayed completion coverage delay in start-up (DSU) insurance delivery demand surge demand trigger coverage demolition coverage demurrage demurrer demutualization denial of service (Do S) attack denial of tenure claims Department of Labor (DOL) Department of Transportation (DOT) dependent properties time element coverage deposit deposit accounting deposition deposit policy deposit premium depreciation deprivation derivative derivative contract derivative investigation coverage derivative lawsuits designated construction project general aggregate limit endorsement designated contractor designated employees designated insured endorsement designated operations exclusion endorsement designated pollutant designated workplaces exclusion endorsement design-build professional liability insurance designer bugs design liability destroyed medical waste destruction and removal efficiency (DRE) development factor deviation difference-in-conditions (DIC) insurance difference-in-limits (DIL) clause difference-in-limits (DIL) policy Digital Flood Insurance Rate Map (DFIRM) diminution in value (auto) diminution in value (property) direct action direct damage direct damage coverage direct discharger direct filtration Directive on Data Protection direct loss direct market directors and officers (D&O) liability insurance direct premiums direct procurement direct response marketing direct selling system (direct marketing) direct threat direct writer direct writing captive direct writing carrier direct written premium dirty bomb disability disability benefit disability income insurance disappearing deductible disaster disaster recovery plan disciplinary proceeding expense coverage disclaimer disclosure dollar loss (DDL) discontinuance discounted cash flow (DCF) analysis discount rate discovery discovery cover discovery period discovery provision discovery rule discrimination disease loading disintermediation risk dismemberment dismissal disparagement of goods disparate impact discrimination disparate treatment discrimination dispersion distributions distribution system diversification diversification credit divided risk endorsement dividend accumulation dividend addition dividend options dividends divisible contract clause docket control system Dodd-Frank Act domestic insurer domestic terrorism domicile domicile manager dominant cause domino theory dose response dose-response assessment dose-response relationship double excess coverage double indemnity double protection downsizing exclusion draft authority dramshop liability "D" ratio drilling fluid drilling mud drilling rig drive other car endorsement Driver's Privacy Protection Act (DPPA) of 1994 drop down provision druggist liability insurance dry pipe sprinkler system dual agency dual capacity due diligence duplication duty to defend duty to pay dwelling dwelling property coverage forms dynamic financial analysis (DFA) dynamic risk A B C D E F G H I J K L M N O P Q R S T U V W X Y Z earned premium earned reinsurance premium earned surplus earnings before interest, dividends, depreciation, and amortization (EBIDDA) earnings guidance earnings insurance earth movement or earthquake exclusion earthquake coverage easement easement appurtenant easement by prescription easement, public ecological risk assessment economic capital economic cost of ruin (ECOR) economic damages Economic Loss Doctrine economic or use value economic value added (EVA) educators legal liability (ELL) insurance EEO-1 report effective date effective tax rate efficacy insurance efficient cause 831(b) captive election election window elective benefits electrical damage or injury exclusion electronic commerce (E-commerce) Electronic Communications Privacy Act (ECPA) of 1986 electronic contract (E-contract) electronic data liability electronic data processing (EDP) coverage electronic funds transfer (EFT) system coverage electronic products errors and omissions insurance electronic record electronic signature elevator insurance eligibility period elimination period embedded value e-media wrongful act (cybercoverage) emergency emergency medical technician (EMT) and paramedics professional liability emergency response plan emergency response values employed lawyers professional liability insurance employee as lessor endorsement employee assistance program (EAP) employee benefit programs employee benefits liability employee dishonesty coverage employee hired autos endorsement employee leasing employee leasing company employee pension benefit plans Employee Retirement Income Security Act liability Employee Retirement Income Security Act (ERISA) of 1974 Employee Retirement Income Security Act Section 510 Employee Retirement Income Security Act Section 404(c) Employee Retirement Income Security Act stock drop litigation Employee Retirement Income Security Act "tag-along" claims employees as additional insureds employees as insureds endorsement employee stock ownership plan (ESOP) employee stock purchase plan employee welfare benefit plans employers excess indemnity insurance employers liability coverage employers responsibility coverage Employment Arbitration Agreement employment-at-will doctrine employment practices liability insurance (EPLI) employment-related practices liability (ERPL) policy employment risk encapsulation endangerment assessment endemic disease coverage endorsement endowment insurance energy release theory Energy Risk and Insurance Specialist (ERIS™) enforceable requirements enforcement decision document (EDD) engaged in trade or business (ETB) engagement letter engineering engineering insurance Engineers Joint Contracts Documents Committee (EJCDC) ensuing loss clause enterprise risk management (ERM) entire contract clause entity coverage entity securities coverage environmental assessment environmental audit environmental impact statement environmental impairment liability (EIL) insurance environmental liability buyout Environmental Monitoring and Assessment Program (EMAP) data environmental stop loss insurance Equal Employment Opportunity Commission (EEOC) Equal Pay Act of 1963 equipment breakdown insurance equipment floater equitable estoppel equitable subrogation equity stripping erection all risks (EAR) insurance ergonomics Erie Doctrine error or omission in reporting endorsement errors and omissions (E&O) clause errors and omissions (E&O) insurance escape provision essential functions estate plan estimated premium estoppel event event insurance event risk event triggered financings evidence evidence-based medicine (EBM) evidence of insurability exacerbation examination under oath (EUO) exception (to exclusion) excess excess ad damnum letter excess and surplus (E&S) lines insurance excess cover excess insurance excess interest excessive fee claims excess liability "follow form" policy excess liability policy excess limit excess lines broker excess loss premium (ELP) factor excess of loss excess of loss ratio reinsurance excess of loss reinsurance excess per risk reinsurance excess point excess workers compensation insurance exchange transfer embargo indemnity exclusion exclusive agency system exclusive remedy exculpatory clause executive officer executor exemplary damages exempt motor carrier ex gratia payment exhibitor insurance ex-medical coverage ex parte hearings expatriate expected loss expected morbidity expected mortality expected or intended expected reinsurer deficit (ERD) expediting expense expediting expense coverage expense expense allowance expense constant expense load expense ratio expense reserve experience experience account experience modification experience modifier experience rating experience refund experimental medical procedures exclusion expert expiration expiration file expiration notice exploit (cybercoverage) exportability of premium/risk export and/or import embargo indemnity exporter's packages exposure exposure base exposure-in-residence theory exposure rating exposure survey express authority expropriation extended coverage (EC) endorsement extended discovery period extended discovery provision extended period of indemnity endorsement or option extended reporting period (ERP) extended term insurance exterior insulation and finish systems (EIFS) extortion coverage form G extortion expenses (cybercoverage) extracontractual damages extracontractual obligations (ECO) extra expense coverage extra expense from dependent properties extra percentage tables extra premium extraterritorial coverage extremely hazardous substances "extrinsic facts" test A B C D E F G H I J K L M N O P Q R S T U V W X Y Z face amount facility emergency coordinator factory firms facultative automatic facultative obligatory treaty facultative reinsurance failure to collect contributions exclusion failure to fund in accordance with ERISA exclusion failure to insure exclusion Fair Access to Insurance Requirements (FAIR) plans Fair Chance Act Fair Credit Reporting Act (FCRA) of 1970 Fair Labor Standards Act (FLSA) of 1938 fair rental value (FRV) coverage faithful performance coverage false arrest false pretense, trick, and device Family and Medical Leave Act (FMLA) of 1993 family exclusion farmers personal liability farmowners insurance farm umbrella policy FAS 5 FAS 115 FAS 113 f-cubed litigation feasibility study Federal Arbitration Act (FAA) federal crop insurance Federal Emergency Management Agency (FEMA) Federal Employers Liability Act (FELA) of 1908 federal excise tax (FET) Federal Home Loan Bank (FHLB) Federal Highway Administration (FHWA) Federal Insurance Contribution Act (FICA) of 1935 Federal Liability Risk Retention Act Federal Mine Health and Safety Act (FMHSA) of 1969 Federal Motor Carrier Safety Administration (FMCSA) Federal Motor Carrier Safety Regulations (FMCSR) Federal Savings and Loan Insurance Corporation (FSLIC) fee disputes exclusion fee-for-service fees fee schedule fellow employee coverage fellow employee exclusion fellow employee suits coverage Fellow in Risk Management (FRM) Fellowship of the Chartered Insurance Institute (FCII) fidelity bond fiduciary fiduciary bond fiduciary liability fiduciary liability endorsement fiduciary liability "follow-on" claims field service advice (FSA) filed forms financed insurance Financial Accounting Standards Board (FASB) Financial Anti-Terrorism Act (FATA or PATRIOT Act) of 2001 financial capacity financial consolidation financial disclosure claims financial guarantee insurance financial institution bond Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) financial interest clause (FINC) financial interest coverage financial modeling financial quota share financial reinsurance financial responsibility financial responsibility law financial restatement financial restatement exclusion financial risk management Financial Stability Board (FSB) financial statement financial transformation (FT) fine arts coverage finite risk insurance fire brigade fire department service charge coverage fire legal liability coverage fire resistive construction (ISO) firewall fire wall FIRMette first advised clause "first bite" first class mail coverage first dollar coverage first dollar defense coverage first dollar defense, umbrella first named insured first-party insurance first surplus reinsurance treaty fixed-cost insurance flat flat cancellation flat commission flat dividend flat rate fleet fleet automatic, auto fleet of companies fleet policy fleet policy, aircraft fleet policy, auto floater policy floating excess policy flood coverage flood exclusion flood insurance rate map (FIRM) floor follow form follow form professional liability endorsement following reinsurer following the fortunes forced placed force majeure force majeure insurance Foreign Account Tax Compliance Act (FATCA) foreign commerce Foreign Corrupt Practices Act (FCPA) of 1977 foreign-cubed litigation foreign currency controls foreign insurer foreign liability coverage foreign title equivalent coverage provision foreign voluntary workers compensation (FVWC) coverage forgery or alteration coverage "for-hire" motor carrier form formularies fortuitous event forum forum selection clause forum shopping forward forward contract "four-corners" test 401(k) fee claims 401(k) plan fractional premium fracture types frame construction (ISO) franchise deductible franchise inflation clause franchise insurance fraternal benefit society fraud Fraud Claim Law Associate (FCLA) Fraud Claim Law Specialist (FCLS) free alongside (FAS) free of capture and seizure (FC&S) warranty free of particular average (American conditions) (FPAAC) free of particular average (English conditions) (FPAEC) free of particular average (FPA) free on board (FOB) free on board destination freight broker freight forwarder frequency friable asbestos friendly fire front company fronted captive fronting front pay Fujita scale full coverage full preliminary term reserve valuation full prior acts coverage full-timers coverage fully insured status fully paid policy functional capacity evaluation (FCE) functional job description functional replacement cost functional replacement cost provision or endorsement fundamental risk fund control agreement funded funded covers funded pension plan funded retention funded self-insurance fund states coverage funds withheld furriers block policy furriers customers insurance future futures contract A B C D E F G H I J K L M N O P Q R S T U V W X Y Z gap financing garagekeepers coverage/garagekeepers legal liability garagekeepers extra legal liability garage liability insurance garage policy garment contractors floater General Adjustment Bureau (GAB) general agency system general aggregate limit general average losses general counsel general damages general duty clause general employer general exclusions general inclusions general indemnity clause general liability insurance generally accepted accounting principles (GAAP) general maritime law general supervision Genetic Information Nondiscrimination Act (GINA) of 2008 geographical (coverage territory) limitations glass ceiling glass insurance global insurance program glovebag good faith settlement "good guy" letter good local standard Good Samaritan statutes good student discount governing classification grace period graded commission graduated drivers licenses Gramm-Leach-Bliley (GLB) Act of 1999 green building greenmail exclusion green upgrades coverage gross cessation gross combination weight (GCW) gross domestic product (GDP) gross earnings coverage gross loss reserves gross negligence gross premium gross profits insurance gross receipts or mileage, auto gross vehicle weight (GVW) gross weight gross written premium (GWP) ground coverage ground up loss group annuity group captive group certificate group contract group credit insurance group insurance group of companies group-owned captive group practice health maintenance organization group property and liability insurance group self-insurance guaranteed auto protection (GAP) guaranteed cost guaranteed cost discount (GCD) guaranteed cost insurance guaranteed cost premium guaranteed insurability guaranteed investment contract (GIC) guaranteed renewable guaranteed replacement cost guaranty agreement guaranty fund guardian ad litem Guertin laws guests' property, premises guests' property, safe deposit box guest statutes, auto guest voluntary settlement, aircraft A B C D E F G H I J K L M N O P Q R S T U V W X Y Z hail insurance hammer clause hangar keepers liability hard market Harper Group v.
Commissioner hazard hazard class pricing hazardous/enumerated procedures exclusion hazardous ranking system (HRS) hazardous waste hazard risk HAZMAT healing plateau healthcare purchasers liability insurance healthcare reimbursement plan Health Insurance Portability and Accountability Act (HIPAA) of 1996 health maintenance organization (HMO) hedge hedge fund hedge instrument hedging transaction highly protected risk (HPR) property high-risk community Highway Loss Data Institute (HLDI) hired automobile historical cost hold harmless agreement holding power formula hold order holistic risk management homebuilder wrap-up home equity insurance home foreign home office homeowners modified form 8 (HO 8) homeowners policy homeowners policy basic form 1 (HO 1) homeowners policy broad form 2 (HO 2) homeowners policy comprehensive form 5 (HO 5) homeowners policy contents broad form 4 (HO 4) homeowners policy special form 3 (HO 3) homeowners policy unit owners form 6 (HO 6) honorable engagement or undertaking horizontal exhaustion rule hospital income insurance hospital medicine hospital professional liability (HPL) insurance hostile fire hostile work environment sexual harassment host liquor liability hotline Household Goods Transportation Act of 1980 HR-10 plan hull coverage hull (physical damage) coverages, aircraft Humana v.
Sometimes certain claims (such as insurance claims) can be backdated if the could not be completed at an earlier date, although there must be good reason for neglecting to claim in advance.
If your backdated claim is approved, you will be able to receive benefits from a certain date in the past.