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Named Perils
Coverage in a property policy that provides protection against loss from only the perils specifically provided in the policy. Examples of named perils are fire, windstorm, theft, smoke, etc.

Failure to use that care that a reasonable and prudent person would have used under the same or similar circumstance.

Net Premium
The portion of the premium rate which is designed to cover benefits of the policy, excluding expenses, contingencies and profit.

Awards & Recognition