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ID PersLines – Insurance Basics

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Insurable Interest and Underwriting
  • Insurable Interest
  • Underwriting
  • Loss Ratio
  • Expense Ratio
  • Combined Ratio
Rate Development
  • Rating
  • Class Rating
  • Individual Rating
  • Rating Components
Losses and Perils
  • Direct and Indirect Losses
  • Named Peril and Open Peril
Loss Valuation and Construction
  • Loss Valuation
  • Loss Valuation Methods
  • Types of Construction
Coinsurance
  • Exposure and Limit of Insurance
  • Purpose of Coinsurance
  • Coinsurance Penalty
  • Coinsurance Formula
  • Policies with Coinsurance
Blanket and Vacancy
  • Blanket, Specific, and Scheduled Insurance
  • Vacant vs. Unoccupied
Policy Structure
  • Policy Structure
  • Declarations
  • Exclusions
  • Endorsements
  • Definitions
  • Insuring Agreement
  • Supplementary Coverage
  • Conditions
Policy Conditions
  • Cancellation and Non-Renewal
  • Deductibles
  • Other Insurance
  • Primary and Excess
  • Pro Rata
  • Contribution by Equal Shares
  • Policy Period
  • Policy Territory
Named Insured Provisions
  • Insureds
  • Duties After Loss
  • Ownership
Insurer Provisions
  • Subrogation
  • Claims Settlement Options
  • Duty to Defend
  • Liberalization
Third-Party Provisions
  • Standard Mortgage Clause
  • Rights of the Mortgagee
  • Loss Payable Clause
  • No Benefit to the Bailee

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