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Burden of proof

The onus is upon the insured to prove that his loss is within the operative clause. It is for the insurer to prove that the loss has been caused by an excepted peril. If the insurer has cut down the scope of the operative clause by qualifying the insured peril (see QUALIFIED PERILS) the insured must prove that the loss was caused by the peril as qualified.

Bureau

A cooperative ratemaking body, which is supported by member companies; the member companies agree to abide the rates published by the bureau

Bureau insurer

An insurance company that has joined a rating bureau, usually due to a lack of insurance company experience in a certain type of risk.
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Insurer that is a member of a rate and form advisory service (or “Bureau”) and uses the Bureau’s Policy forms and premium rates for most of its Insurance policies.

Bureau of Health Insurance (BUI)

Agency within the Social Security Administration that administers the Medicare program. Actual operation of the program is carried out through arrangements with fiscal intermediaries and insurance carriers, who operate under contract with BHI/SSA and receive all policy guidance from the Centers for Medicare and Medicaid Services (CMS).

Bureau Rating

An organization that classifies and promulgates manual rates and in some case compiles data and measures the hazards of individual risks in terms of rate in geographic areas, the latter being true especially in connection with property insurance.
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An organization that develops rates based on the pooled experience of its members and subscriber. The rates may be only advisory, or members may be required to adhere to these rates.

Bureau, International Maritime

To answer to the problem of international maritime frauds a non-governmental body known as “the International Maritime Bureau” was formed in London in 1981. Four services are offered which have a preventive function: (i) education service to supplement members’ present training programmers on the prevention of maritime fraud; (ii) providing of general information through the regular publication of a bulletin containing latest developments in various parts of the world; (iii) advisory services on whether potential trading partners are known to have previously been involved in fraudulent or suspect practices; and (iv) authenticating trading documents for banks and others that may need such assistance.

Burglary

UK: According to the Theft Act 1968, a person is guilty of burglary in two circumstances. Section 9(1)(a) applies when a person enters a property as a trespasser, with intention to commit theft, rape or grievous bodily harm. Section 9(1)(b) refers to the person who enters property as a trespasser and, having entered, commits or attempts to commit theft, rape or grievous bodily harm. Insurers avoid the use of the term ‘burglary’ in theft insurance. The usual practice is to insure theft, ‘following forcible and violent entry into or exit from the premises’.
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US: Breaking and entering into another person’s property with felonious intent.
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Coverage against loss as a result of forced entry into premises.
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US: Theft of property from within a premises by a person who unlawfully enters or exits from the premises.
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Theft of the property following felonious entry into the premises by violent and forcible means, or theft by a person in the premises who subsequently breaks out by violent and forcible means. The use of force and violence need not be against property only-it can also be against the person or an individual.
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Unlawful removal of property from premises involving visible forcible entry.