The minimum amount of premium an insurer will retain in the event the policy is cancelled prior to its expiry.

Whereby the insurance company directly bills the insured for payment of premium.

That which endangers life or health, gives offense to senses, violates the laws of decency, or obstructs reasonable and comfortable use of the property.

Legislated policy conditions outlining duties and responsibilities of insured and insurer under contracts of automobile insurance, accident and sickness insurance and fire insurance.

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A flood, earthquake, or other act occasioned exclusively by violence of nature that is without any human intervention and that could not have been prevented by reasonable care or foresight.

The basis of payment under most Business Interruption policies. The amount of the payment is limited to the actual amount the business would have earned had the loss not occurred.

The fair or reasonable cash price property would bring in a fair market, allowing for depreciation.

Person(s) covered by the policy in addition to the named insured.