Advertising Injury

Insurance against loss or damage to property from any cause, except those that are specifically excluded.

Written acknowledgement that insurance applied for is in force, whether or not the premium had been paid or the policy issued.

A package insurance policy that is made up of multiple lines or types of insurance. A BOP usually includes property and general liability insurance.

A type of policy that pays for loss of earnings when operations are curtailed or suspended because of a covered property loss.

A document which serves as proof of the types of coverage, amounts of coverage and policy effective dates of an insurance policy. Certificates are held by the insured or, in some cases, by a company or person to whom the insured is potentially liable.

A policy providing coverage only if a claim is made during the policy period. If the policy has a retroactive date, a loss which occurred before that date is not covered. (See Occurrence Coverage for comparison.)

Specialized type of insurance designed to cover your computer equipment, data systems, information storage media and expenses or income loss related to the destruction of hardware or software.

Protection against allegations of employee theft of tangible or intangible property from a client. Coverage should be provided on your premises and at the customer’s location.

Protection against claims of discrimination based on age, gender, race, religion or other factors.