The named insured
A residence employee
A person who is on the insured location without permission
Any regular resident of the insured's household who pays rent
Valued or agreed amount policies
Market value policies
An assumption of risk
An intervening cause
The proximate cause of loss
A matter of strict liability
Premiums by combined losses and expenses
Premiums by underwriting losses
Operating expenses by total premiums
Underwriting losses by total premiums
Only the United States
The United States, its territories and possessions, and Canada
The United States, Canada, and Mexico
All of North America and Europe
Given by the agent's contract with the insurer.
Granted to an agent by state law.
The agent tells an insurance applicant that he or she has.
That members of the public can reasonably assume that the agent has.
On the policy's retroactive date
Before the policy's retroactive date
After the policy's retroactive date
Before the effective date, if there is no retroactive date
It is the most the insurer will pay for any one accident.
It is the most the insurer will pay for all losses during any one policy period.
It is the maximum limit for each claim when multiple claimants are arising out of the same occurrence.
It is the single largest limit that applies when a loss is covered by two or more policies issued by the same insurer.
Give the federal government a major role in providing insurance
Make property insurance available to risks that were otherwise considered uninsurable because of environmental hazards
Require complete disclosure of the reasons for policy cancellations
Force all insurance companies to participate in an insurance pool
A maximum payment of $300
A maximum payment of $460
A maximum payment of $600
A maximum payment of $740
All classes of newly acquired autos are automatically covered.
An insured can select different classifications for various coverages.
"Any auto" is the broadest coverage classification.
"Hired autos" include autos the insured leases, hires, rents, or borrows.
Until the end of the policy period
The special form (HO-3) only
The broad and special forms (HO-2 and HO-3) only
The comprehensive form (HO-5) only
All homeowners forms
Excess and surplus lines agent
Injury or damage caused by the operation of mobile equipment
Damage to property rented to the named insured
An injury that is also covered by a workers compensation law
Liability resulting from the accidental escape of pollutants
A tort is a criminal act committed with the intent to cause injury.
A tort is a civil wrong that violates the rights of another.
A tort is any act that has the potential to cause financial loss to another person.
A tort is an act that can be prosecuted by the state or federal government even if no injury or damage occurred.
Mail coverage form
Annual transit policy
Trip transit policy
Motor truck cargo shipper's form
If there are more than five claims during a policy period.
On the next policy anniversary date.
If the insured pays an extra premium for reinstatement.
As soon as the aggregate is actually exhausted.