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Analysis of insurance contract final project
1.
2.
3.
4. Analysis of Insurance
Contracts
the insurance policy is a contract
between the
insurer and the insured
Insurer Insured
Individual
Company person
5. Basic Parts of an Insurance Contract
The insuring agreement summarizes the major promises of the insurer
The two basic forms of an
insuring agreement in
property insurance are
Named perils policy All-risks” policy
where only those perils where all losses are
specifically named in covered
the policy are covered
6. Insurance contracts contain three major types of exclusions
Excluded perils e.g., flood, intentional act
Excluded losses e.g., a professional liability
is excluded in the
homeowners policy
Excluded property e.g., pets are not covered
As personal property in the
homeowners policy