A relative index based on the cost per vehicle for Comprehensive insurance claims (including theft).

A relative index based on the cost per vehicle for Collision insurance claims.

A relative index based on the loss costs of Accident Benefit (personal injury) claims

Hazard arising from physical condition or characteristics of the object that is insured, e.g., using and storing volatile materials and substances on the premises.

Hazard arising from character, interest, habits, and lack of integrity of the insured or person concerned.

A risk or probability that the event insured against might occur. Condition which engenders or increases the chances of a loss.

The part of the insurance cycle in which premiums rise significantly. It is usually associated with a sharp decline in capacity. (See also Soft market).

Insurance of property against damage which occurs by hailstorm. Usually refers to growing crops but coverage is also provided under other policies such as for automobiles, buildings and their contents.

Fire occurring in a dwelling.