Refer: “Backdating.”

Measurement and collection of static and dynamic body measurement for use as design criteria to improve the ease of functioning, efficiency and safety of people in a mechanical system. The study of human body sizes and modes of action to determine their relationship to efficiency of operation and safety. For example, the range of the knee-heights of truck drivers has been studied to provide data useful in designing adequate clearance between brake pedals and steering wheels.

Government laws that restrict the right of insurers to cancel insurance policies except for specific reasons.

The laws that prohibit lending agencies from requiring the placing of insurance with the agency as a condition of granting a loan.

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Usually contained in a section of the state code entitled Unfair Trade Practices, these provisions define the use of coercion as an unfair practice and, hence, a violation of the state law.

Common policy clause that excludes coverage from certain losses even if they occur when a covered loss occurs at the same time. Standard language is “Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.” This is commonly used with perils that cannot be covered, such as flood waters, earth movement, or war.

This provision states that if a loss is caused by a combination of covered and excluded events, the loss is not covered. The ACC clause applies if there is a sequential loss in which the first event sets in motion a chain of events that causes a second event to causes a loss or if the two causes of loss happen at the same time. In either case, if the ACC clause is in the policy, the loss is excluded even if an unexcluded cause of loss is the proximate cause of the damage.For example, the language of the flood exclusion in most homeowners policies is preceded with anti-concurrent cause language. This resulted in a great deal of litigation after Hurricane Katrina. In short, the ACC provision in homeowners policies basically states that there is no coverage for flood (an excluded peril) even when accompanied by wind (a covered peril). (See Storm Surge).

Laws that prohibit an agent’s refunding part of a commission to an applicant as an inducement for placing insurance through the agent.