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A circumstance that increases the likelihood or probable severity of a loss. For example, an unattended lit cigarette is a hazard that increases the likelihood of a fire.

Health Insurance
Insurance for financial relief resulting from illness or accidental bodily injury/injurie. Included under this heading are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

Hospital Expense Insurance
Health insurance protection against the cost of hospital care resulting from the illness or injury of the insured person

Hospital indemnity
A form of health insurance which provides a stipulated daily, weekly, or monthly indemnity during hospital confinement. The indemnity is payable on an unallocated basis without regard to the actual expense of hospital confinement.

House Breaking
When the theft is committed entering into or out of the premises stealthily.

Hull Insurance
Class of ocean marine insurance that covers physical damage to the ship or vessel insured. Typically written on an "all-risks" basis

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