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Coverages

Coverages connected to real admitted insurance products

FilingFocus tracks admitted P&C coverage language through matching form records, then adds market context from the filings around it: product lines, states, companies, common form names, and recent examples.

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Search by coverage concept, product line, or form-language pattern, then open a topic to review matching form records, product lines, states, and recent filings.

201 results

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Exclusions

Absolute pollution exclusion

An absolute pollution exclusion removes or sharply limits coverage for pollution injury, damage and cleanup. Compares eleven insurers' forms; 424 insurers file it.

EnvironmentalPollution

Exclusions

Access or disclosure exclusion

An access or disclosure exclusion limits coverage tied to unauthorized access to or disclosure of private information. Compares two insurers' forms; 350 insurers file it.

CyberDataPrivacy

Endorsements

Accounts receivable coverage

Accounts receivable coverage pays collection losses and reconstruction costs when receivable records are damaged. Compares two insurers' forms; 120 insurers file it.

Inland MarineProperty

Endorsements

Actual cash value loss settlement

Actual cash value loss settlement applies depreciation or a payment schedule, often to wind or hail roof losses. Compares two insurers' forms; 374 insurers file it.

PropertyValuation

Endorsements

Additional defense costs limit endorsement

An additional defense costs limit endorsement can provide a separate limit for covered defense costs. Compares Westfield Select and Federal forms; 47 insurers file it.

Management LiabilityDefense Costs

Endorsements

Additional insured endorsement

An additional insured endorsement extends insured status to another party for a relationship, project or contract. Compares four insurers' forms; 983 insurers file it.

Additional Insured

Endorsements

Additional named insured endorsement

An additional named insured endorsement can add a party to the named insureds under a policy. Compares four insurers' forms; 276 insurers file it.

Professional LiabilityAdditional Insured

Exclusions

Advertising exclusion

An advertising exclusion removes coverage for injury arising from an insured's advertising or promotional statements. Compares two insurers' forms; 210 insurers file it.

Management LiabilityAdvertising Injury

Endorsements

Aggregate deductible

An aggregate deductible applies one retained amount across covered losses, coverage parts or locations. Compares Benchmark and Sentry forms; 123 insurers file it.

AutoPropertyDeductibles

Endorsements

Agreed value coverage

Agreed value coverage values covered property at a scheduled or agreed amount instead of replacement cost or ACV. Compares Harco and Grange forms; 260 insurers file it.

AutoInland MarinePropertyValuation

Endorsements

Amendment of definition of loss

These endorsements revise what counts as covered loss, such as judgments, settlements, penalties or taxes. Compares QBE and Federal forms; 69 insurers file it.

Management LiabilityProfessional LiabilityDefinitionsLoss

Endorsements

Amendment of limits of insurance

These endorsements replace, schedule or narrow the limits for specified projects, locations or claim types. Compares two insurers' forms; 228 insurers file it.

Aggregate Limits

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