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12 Pages

230 Class 21 - Commercial and Other PP&C

Course: FIN Fin 430, Spring 2012
School: Arizona
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Word Count: 272

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Umbrella Personal Policy PUP Excess Liability Broad coverage with limited exclusions $1,000,000 & up ($10 million) Requires underlying PP&C policies Pays when underlying coverages exhausted Retained Limits Scheduled Personal Property Inland Marine insurance Personal Articles floater (PAF) Scheduled= Individually LISTED property High value, highly fungible, transportable...

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Course Hero has millions of student submitted documents similar to the one below including study guides, practice problems, reference materials, practice exams, textbook help and tutor support.
Umbrella Personal Policy PUP Excess Liability Broad coverage with limited exclusions $1,000,000 & up ($10 million) Requires underlying PP&C policies Pays when underlying coverages exhausted Retained Limits Scheduled Personal Property Inland Marine insurance Personal Articles floater (PAF) Scheduled= Individually LISTED property High value, highly fungible, transportable Very Broad coverages & perils Endorsement to HO or stand alone policy Toys Motorcycle Racing vehicles Racing liability excluded Antique automobiles Modified definition of 4-wheeled passenger Stated value policy Toys Boatowners 1. 2. . . Ocean Marine insurance / Yacht Inland Boatowners Open Peril on boat Broad liability coverage General aviation . Specialized market Business Insurance Property Liability Indemnity + Business continuation Contractual liability Product liability Auto NON 4-wheel private passenger vehicles Plus Company owned passenger vehicles Policy Forms Commercial Package Policy (CPP) Businessowners Package Policy (BPP) Commercial Auto Commercial General Liability (CGL) Professional Liability Business Income Package (Business Continuation) Business Policy Umbrella (BUP) CPP Primary Coverages Coverage A - Liability Bodily Injury + Property Damage Usually single limit Coverage B Personal, Product, & Advertising Injury Coverage C - Medical Payments Property Buildings & Business Personal Property Property Coverages Real Property Buildings and fixtures Property under construction once secured Business Personal Property Chattel property coverages Property for sale / sold goods Information Property of others Property Coverage Extensions Property extensions: Newly built or acquired property Personal effects of others Business Records Intellectual property Property off-premise Seasonally adjusted inventory Signs / Outdoor property Liability Coverages Tort Liability Statutory Liability Contractual Liability Premises & Operations / Fire Legal Liability Completed Products Intent ? Negligence ! Defenses Additional Business Coverages by Endorsement or Separate Policy Inland Marine Crime coverage Each business has different exposure to crime Robbery, burglary, fraud, computer crime, employee dishonesty, Boiler & Machinery Bonding / Surety
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Arizona - FIN - Fin 430
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