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Common policy conditions

The part of the insurance policy typically relating to cancellation, changes in coverage, audits, inspections, premiums, and assignment of the policy. The commercial lines policy forms portfolio promulgated by Insurance Services Office, Inc. (ISO), takes a modular approach to structuring policies. A commercial lines policy is made up of a declarations page, the common policy conditions, one or more coverage forms, and endorsements that modify the coverage forms. The common policy conditions form (IL 00 17) is used with the commercial property, general liability, and crime forms to specify the conditions applicable to the policy.
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Common conditions under insurance policies which apply to all coverage parts on common basis.

Common Policy Declarations

A common declaration page which is part of every commercial policy. It shows the information applicable to the entire policy (policy number, insurer, insured, total premium, terms, conditions, warranties and exclusions attached etc.). Each individual coverage part may also have its own declarations page.

Common stock

Securities such as stocks and bonds that represent an ownership interest in a corporation. Holders of common stock may elect directors and collect dividends. Common stocks are subordinate to bondholder claims, preferred stockholders, and general creditors.
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A security which provides an ownership or equity position in a company. Shareholders may receive dividends if declared by the board of directors.

Common trust funds

Feature: (a) pooling of all assets in a central fund, (b) payment of benefits from the central funds, and (c) trustees having wide powers of investment. The scheme may be insured so the funds are held centrally in insurance policies only. Alternatively, the fund is self-administered as in the case of small self-administered schemes where the funds are held centrally in investments such as commercial property, shares and cash deposits. Large schemes, i.e. those with 12 or more members, can also be self-administered.

Common working file (CWF)

System of nine regional sectors with databases that contain the total Medicare beneficiary histories developed by the Centers for Medicare and Medicaid Services (CMS) to improve claims processing. Medicare fiscal intermediaries access CWF databases for eligibility, utilization, Medicare Secondary Payer (MSP), and other claims information.

Communication

1. Ability to receive, interpret, and express spoken, written, and nonverbal messages. 2. Delivery of a message by any process to facilitate the collection of a debt, either directly or indirectly, to or from any individual through any number of media (letter or telephone call).
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Connection between buildings whereby fire could spread from one to another, i.e., where the buildings are not separated by a party well.