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Additional Insured - A person or entity, other than the named insured, who is additionally protected under the terms of the policy; usually someone for whom you are doing work for.

Additional Insured (AI) Endorsement - This endorsement to the insurance policy adds a person or entity to coverage under the terms of the policy. This person or entity may also be defended and indemnified by the policy from any loss incurred where liability is so deemed against the insured, subject to all terms and conditions of the policy.

Blanket AI Endorsement - One endorsement that provides Additional Insured coverage for an unlimited number of persons or entities you request, subject to all terms and conditions of the policy and endorsements.

Bodily Injury - Bodily Injury includes sickness or disease and death in addition to accidental injuries.

Certificate of Liability Insurance - A short-form documentation of an insurance policy.

Certificate Holder - A person or entity generally wishing to confirm directly that valid insurance is in force.

Deductible - The amount that gets subtracted from the total damage incurred before the insurance company pays a claim. The deductible is often viewed as the amount which the insured is comfortable retaining. Remember: The higher your deductible, the lower your premium is. The lower your deductible, the higher your premium is.

General Liability Insurance - Insurance that provides protection to you against liability to a third party for property damage, bodily injury, personal and advertising injury, and medical payments, subject to the limits and conditions of an insurance policy.

Liability - 1) An obligation generally imposed by law or equity. 2) Money owed or expected to be owed.

Property Damage - Property Damage coverage applies to claims resulting from damage to tangible property or loss of use of tangible property.

*For a complete list of terms, conditions and definitions, always read policy.

© Copyright 2010 Contractors Insurance Specialists. Lana Kackstetter, Commercial Account and Employee Benefits Specialist
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