Life underwriter’s term describing an impaired life where the additional risk will remain unchanged, i.e. proposer’s medical condition will neither worsen nor improve. See INCREASING EXTRA RISK; REDUCING EXTRA RISK.
Tag: RAW
Constant Pain
In a workers’ compensation case, pain approximately 90% to 100% of the time.
Constant Premium
A premium that does not vary from time to time.
Constant symptoms
In workers’ compensation cases, any indication of disease perceived by the patient (symptoms) that occur approximately 90% to 100% of the time.
Constat Amiable
See: European Accident Statement.
Constitutional signs and symptoms
Vital signs (temperature, pulse, respiration, blood pressure) and an assessment of an individual’s general well-being.
Construction (Design and Management) Regulations 1994
CDM Regulations are aimed at improving the overall management and coordination of health and safety throughout all stages of a construction product. They place duties on the client, the designer, the principal contractor and the planner supervisor (a creation of CDM). They also introduce new documents – health and safety plans and the health and safety file. The planning supervisor must notify HSE of projects that will last more than 30 days or more than 500 person days of work.
Construction bond
A bond that guarantees the owner of a building under construction that it will be completed. If the contractor cannot finish the work, the insurer is obligated to see that the work is performed.
Construction insurance (Property Insurance)
Insurance that covers damage to or destruction of a building while construction is in progress.
Construction of buildings
The types of material used in the building and roofing of a structure. Construction types, e.g. brick or timber built, affect the risk as do the number of fire divisions in the building. Other construction factors affecting the risk include age and condition of electrical circuits, number of storeys, the building’s age and the type of heating system. Underwriters grade risks according to construction features.