Manuscript Policy

Insurance Services Office - an organization that develops standardized insurance policy forms, rating information, and risk data used by property-casualty insurers across the United States.

A business professional who analyzes probabilities of risk and risk management, including calculation of premiums, dividends, and other applicable insurance industry standards.

The written contract between the insurer and insured that outlines the terms, conditions, coverage, and exclusions of the insurance agreement.

The process by which an insurer evaluates the risk of insuring a person or property and determines coverage terms and premium rates.

Additional liability insurance that provides coverage beyond the limits of your standard policies.