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Haulier’s liability policy

Covers liability for loss/damage to customers’ goods; it does not cover the goods. Policies are rated on annual haulage charges. The rate varies according to the conditions of carriage and so a split is made between Road Haulage Association Conditions of Carriage, CMR and estimated unwitting CMR. Insurers require vehicles to be alarmed and usually impose security warranties that apply when the vehicles are unattended and garaged or parked overnight. Carriage of ‘target goods’ may attract a ‘two driver’ warranty. See GOODS IN TRANSIT.

Hazard

(i) A condition which may create the probability of loss. (ii) A condition or activity which increases the probable frequency or severity of loss.
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UK: a condition which may create or increase the likelihood of a loss arising from a given peril.
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A particular situation that augments the chance of a loss happening because of a peril, or adding to the severity of the loss.
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UK: Condition that creates increases the probability or extent of a loss from physical sources, such as unsafe working conditions or asbestos in buildings, and moral features, such as poor attitudes. See MORAL HAZARD; PHYSICAL HAZARD; RISK 1.
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US: Condition that creates or increases the chance of loss.
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US: Conditions that increase the probability of loss. Examples include poor housekeeping in a factory and inadequate lighting in a crime-prone area.
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Generally, a condition that increases the possibility of loss.
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MEDICAL,USA: Situation that exposes an individual to risk of injury or can be dangerous and increase the severity and/or probability of a loss, state or condition such as accident, illness, fire, flood, burglary, wet floor, and unsanitary location.
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Something that causes an exposure to injury, loss or damage.

Hazardous pursuits

Certain hazardous sports and activities are excluded from personal accident insurances, as they are high-risk pursuits not undertaken by all policyholders. Those who run the excluded risks can usually ‘buy them back. The ‘pursuits’ include: aviation (other than as a passenger on normal flights); hunting and polo; football; motorcycling; mountaineering involving the use of ropes; winter sports and others.
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Certain sports and activities are termed hazardous pursuits and are excluded from travel insurances although it may be possible to have them included on payment of an additional premium.

Hazardous waste

Waste containing any substance that may create danger to: (a) the life or health of people or animals when released into the environment; or (b) to the safety of humans or equipment in disposal plants if incorrectly handled. Hazardous waste may be toxic (most pesticides, lead salts, arsenic compounds, cadmium compounds, cattle dip); flammable (e.g. hydrocarbons); corrosive (e.g. acids, alkalines); oxidising (e.g. nitrates, chromatic). Insureds knowingly involved with hazardous waste must disclose it as material fact.
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Term generally used to refer to pollutants or contaminants that result from industrial processing and must be disposed.

HB

HCPCS Level II modifier that may be used with CPT or HCPCS Level II codes indicating a nongeriatric adult program. This modifier may be required for state Medicaid programs, so check with your state guidelines.