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Highly protected risk (HPR)

A building meeting certain standards of fire protection, which is therefore eligible for a reduced rate.
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Premises or other property that meets a particular Insurer’s loss control standards required to earn low premium rates. These properties usually are protected by sprinklers and have better than average construction and occupancy characteristics.
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UK: Risks of the highest quality in terms of physical hazard. Loss prevention measures may include automatic sprinkler systems, haylon systems, water hydrants and fire and smoke alarms addressing both probability and severity of loss. HPR risks benefit from lower premiums.

Highway authorities

Highways Act 1959 transferred the duty to repair highways to the Secretary of State for the Environment or the appropriate local authority according to the road classification. Formerly, a local authority was not liable for injuries caused to highway users by its own non-feasance (e.g. non-repair of the surface) but this rule was abolished by the Highways (Miscellaneous Provisions) Act 1961). Previously there had been liability for misfeasance only.

Highway traffic act

The body or system of laws that govern the obligations of the provincial governments and users of roads. A breach or conviction of any of these laws may be an offense but does not of itself impose legal liability, but it may be relied upon in any proceeding to establish or negate any liability.

Hijacking

Forcing a pilot to fly aircraft to an unscheduled destination. The normal aircraft ‘all risks’ policy excludes hijacking. Politically motivated hijacking and sabotage can be insured by a separate war risks policy. Hijacking of lorries has been a concern for goods-in-transit insurers but the risk is not excluded. ‘Carjacking’ is the same thing but applies when cars are forcibly taken from their drivers.
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Any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight by any person or persons on board the aircraft.

Hill-Burton Act

Legislation and the programs operated under that legislation for federal support of constructing new and modernizing existing hospitals and other health facilities, beginning with Public Law 79-725, the Hospital Survey and Construction Act of 1946. The original law, which has been amended, provided for surveying state needs, developing plans for construction of hospitals and public health centers, and assisting in construction and equipping them in exchange for the hospitals’ commitment to give free or discounted fees for services to individuals who cannot afford treatment. The Department of Health and Human Services (HHS) issued regulations that established standards for uncompensated care. It stated that care given to Medicare and Medicaid patients was not considered uncompensated care. Until the late 1960s, most of the amendments expanded the program in dollar amounts and scope. The administration has attempted to terminate the program, while Congress has tried to restructure it toward support of outpatient facilities, facilities to serve areas deficient in health services, and training facilities for health and allied health professions. The purpose of the existing Hill-Burton program was modified by Public Law 93-641 to allow assistance in the form of grants, loans, or loan guarantees for the following purposes: modernization of health facilities; construction of outpatient health facilities; construction of inpatient facilities in areas that have experienced rapid population growth; and conversion of existing medical facilities for the provision of new health services.