Company that specializes in insuring motorists who have poor driving records or have been canceled or refused insurance.

Term used (“hired autos”) in the Insurance Services Office, Inc. (ISO), business auto, garage, and motor carrier coverage forms to denote a particular type of auto included as a covered auto under the policy. With certain exceptions, the term refers to autos the named insured leases, hires, rents, or borrows. As respects both the business auto and the garage policy, the term does not include any auto the named insured leases, hires, rents, or borrows from any of its employees, partners, limited liability members, or members of their households. As respects the motor carrier, the exception applies as respects private passenger type autos only.

A package of insurance providing home owners with a broad range of property and liability coverage’s.
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A package insurance policy providing property and liability coverages tailored to the needs of most home owners, condominium owners, and apartment tenants. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. It is the most commonly used insurance policy protecting homes in the United States.

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.

US: A tropical storm marked by extremely low barometric pressure and circular winds with a velocity of 75 miles an hour or more.
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A violent tropical cyclone with winds of 64 knots or 73 more miles per hour (118 or more km/hr) often with torrential rains and originating usually at sea. A storm of the most intense severity with a violent wind, in particular a tropical cyclone in the Caribbean. Synonyms: Cyclone, typhoon, tornado, storm, tropical storm, tempest, windstorm, superstore, gale, squall, whirlwind. A wind of force 12 on the Beaufort scale (equal or exceeding 64 knots or 118 km/h). Air filled with foam, waves over 45 ft., sea complete white with driving spray, visibility greatly reduced.
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UK: A violent windstorm covering a large area. It usually originates at sea, with winds circulating at tremendous velocity around a ‘centre’ that in itself moves fairly slowly. In view of its range in time and space, hurricanes are brought within the hours clause in catastrophe excess of loss treaties.