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ID Casualty – Insurance Basics

Insurable Interest and Underwriting

Insurable Interest
Underwriting
Loss Ratio
Expense Ratio
Combined Ratio

Liability and Damages

Property & Casualty Insurance
Types of Liability
Damages

Negligence

Torts
Elements of a Negligent Act
Defenses against Negligence
Comparative Negligence
Contributory Negligence
Assumption of Risk
Intervening Cause
Statute of Limitations

Limits of Liability

Accident vs. Occurrence
Split Limits
Combined Single Limit
Aggregate Limit
Restoration of Limits

Policy Structure

Policy Structure
Declarations
Exclusions
Endorsements
Definitions
Insuring Agreement
Supplementary Coverage
Conditions

Policy Conditions

Policy Period
Policy Territory
Cancellation and Non-Renewal
Deductibles
Other Insurance
Primary and Excess
Pro Rata
Contribution by Equal Shares

Named Insured Provisions

Insureds
Duties After Loss
Ownership

Insurer Provisions

Subrogation
Claims Settlement Options
Duty to Defend
Liberalization
Arbitration

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