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Host liquor liability

Liability for bodily injury (BI) or property damage (PD) arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise. Host liquor liability exposures are insurable under standard general liability policies.
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Part of the commercial general liability policy, covers the incidental serving of alcohol by an insured who is not in the business of serving alcohol.

Hostilities

Does not imply war but means acts or hostility or operations of hostility. They must be carried out by persons acting as agents of an enemy government or of an organised rebellion and not by individuals acting on their own initiative.

Hot Testing (Operational and Commissioning Tests)

The checking of parts, elements and/or production lines of insured property under full or partial load and normal or simulated operating conditions including the use of feedstock or other materials for normal processing or other media for load stimulation. In electrical power stations, hot testing means checking after connection to a grid or other load circuit of electrical generating, transforming, converting or rectifying equipment. Contrast: Cold Testing.

Hot work permits

Permits are incorporated into safe systems of work to minimise the fire risk. Work activities for which insurers are likely to require a hot work permit include: (a) work in hazardous environments; (b) work in confined spaces; (c) work near combustible materials, liquids and gases; (d) work on drums and tanks. The permit imposes high standards of fire protection. See BURNING WARRANTY.

Hotel Proprietors Act 1956

An Act which defines an inn, restricts strict common law liability for the property of a guest, sets limits of liability at £50 any one article and £100 any one guest, and provides that there will be no strict liability for vehicles and their contents, or horses or other animals and their equipment or harness. The innkeeper loses the benefit of the limits of £50 and £100 if he fails to display the notice in the Schedule to the Act in a conspicuous place. Displaying the notice is not an admission that the establishment is an inn. The financial limits do not apply to property that has been deposited, or offered for deposit, for safe custody.

Hotline

Special telephone number (1-800-HHS-TIPS) of the national Department of Health and Human Services and Office of the Inspector General for providers and the public who are encouraged to ask questions or to report suspected fraudulent or abusive activities of anyone associated with the Medicare or Medicaid programs.

Hour of service

Phrase used in relation to the Employee Retirement Income Security Act (ERISA) that means an hour for which an employee is entitled to be paid or is paid. An hour of service can be earned while the employee is working for the employer or during the time of a vacation, holiday, illness, or other paid leave of absence.